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 St Augustine Shores, St. Augustine Shores — a home near Pedro Menendez High School.

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Active

Active·27 days on market·St Augustine Shores

480 Diosa Court

St. Augustine Shores, FL 32086

$365,000$252/sqftEst. $1,878/moMLS# 2155910

Beds

Baths

1,447

Sq Ft

1981

Built

Garage

Pool

About this home

St Augustine Shores

PRICED TO SELL. $10,000 PRICE ADJUSTMENT. Welcome to this beautifully maintained family home offering three bedrooms, two baths, and a spacious, inviting layout. Situated on nearly half an acre, this solid concrete-block residence sits at the end of a quiet cul-de-sac, providing both privacy and room to breathe. Inside, you'll find a generous family room and a dedicated dining area--perfect for everyday living or hosting gatherings. Step outside to the expansive screened lanai, an ideal space for entertaining while enjoying peaceful views of the lush, oversized backyard. With plenty of room to play, garden, or simply relax, the outdoor space truly sets this home apart. Comfort, space, and a serene setting come together in this wonderful property. Plenty of room for a pool. HOA is only $34.00 per month

Cost to own

Mortgage calculator

Home Price

$365,000

Down Payment: 20%

$73,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,878

Principal & Interest: $1,878

Property taxes (est.): $486

Insurance (est.): $243

Estimated Total Monthly

$2,607

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,878

Property taxesest. at asking price, St. Johns County$486

HOAbilled monthly$34

Estimated total, before insurance$2,398/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,057/yr · $171/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,057/yr

Estimated taxes if purchased at asking price: ~$5,800/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 X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — year not disclosed (home built 1981)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,801 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