Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Davis Shores, St. Augustine — a home near St. Augustine High School.

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Active

Active·45 days on market·Davis Shores

26 Miruela Avenue

St. Augustine, FL 32080

$780,000$371/sqftEst. $4,010/moMLS# 2155899

Beds

Baths

2,100

Sq Ft

1948

Built

Garage

Pool

About this home

Davis Shores

Imagine coastal living in this charmingly styled home, where classic design meets modern convenience. As you step inside, you'll be welcomed by an abundance of natural light, thanks to skylights that enhance every room and create a serene spa-like ambiance. The warmth of real hardwood floors adds a nostalgic touch, perfectly complementing the updated, open kitchen. This home features two inviting living spaces, ideal for relaxation and gathering with loved ones, along with a separate dining room that is perfect for entertaining. The crown molding throughout the home adds a sophisticated flair, while the oversized primary shower offers a luxurious retreat. Sitting on a rare double lot on Anastasia Island, this property includes a shallow irrigation well for your landscaping needs. Enjoy peace of mind with a newer roof, updated AC units, renovated bathrooms, and a sump pump equipped with a dehumidifier in the crawl space to prevent water build-up during the rainy season.

Cost to own

Mortgage calculator

Home Price

$780,000

Down Payment: 20%

$156,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,010

Principal & Interest: $4,010

Property taxes (est.): $1,038

Insurance (est.): $520

Estimated Total Monthly

$5,568

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$4,010

Property taxesest. at asking price, St. Johns County$1,038

Estimated total, before insurance$5,048/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $180/yr

Estimated taxes if purchased at asking price: ~$12,500/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1948)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,698 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Jul 17, 2026Listed$780,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$780,000

Price / Sq Ft$371

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,100

Total Structure Area2,972 sq ft

Acres0.30 acres

Year Built1948

TypeResidential

Sub-TypeSingle Family Residence

StyleCottage, Spanish

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Direction FacesSoutheast

School Information

ElementaryR. B. Hunt

MiddleSebastian

HighSt. Augustine

Community Information

Address26 Miruela Avenue, St. Augustine, FL 32080

Area323-Davis Shores

SubdivisionDavis Shores

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Lot Size13,068 sq ft

Lot Dimensions97.37x123.89x114.15x125.96

Parcel Number2143300000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingOther, Garage, On Street

ViewOther

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Kitchen Island, Primary Bathroom - Shower No Tub

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air, Split System

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryIn Unit

Window FeaturesSkylight(s)

SecuritySecurity System Owned, Smoke Detector(s)