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 — a golf course home in St. Johns County.

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Pending

Pending·47 days on market

520 Florida Club Boulevard 208

St. Augustine, FL 32084

$200,000$240/sqftEst. $1,039/moMLS# 2156994

Beds

Baths

832

Sq Ft

2001

Built

—

Garage

Pool

About this home

St. Augustine

Completely renovated and golf course views! This move-in ready 1-bedroom, 1-bath condo offers 832 square feet of beautifully updated living in the Florida Club Golf Community. Step inside to a warm City/Farmhouse design featuring luxury vinyl plank flooring throughout, fresh interior paint, wide baseboards, updated lighting and ceiling fans, and a convenient built-in desk area. The remodeled kitchen shines with quartz countertops, shaker-style cabinetry, a farmhouse sink, subway tile backsplash, new microwave and dishwasher, and a pantry with custom shelving and a charming barn door. The updated bathroom completes the home's fresh, modern feel. One of the highlights is the screened balcony overlooking the Florida Club Golf Course--a peaceful spot for morning coffee, an afternoon book, or simply unwinding and enjoying the view.

Cost to own

Mortgage calculator

Home Price

$200,000

Down Payment: 20%

$40,000

Interest Rate: 6.76%

Loan Term

Monthly Payment

$1,039

Principal & Interest: $1,039

Property taxes (est.): $266

Insurance (est.): $133

Estimated Total Monthly

$1,438

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$1,039

Property taxesest. at asking price, St. Johns County$266

HOAbilled monthly$272

Estimated total, before insurance$1,577/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,812/yr · $151/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): $1,812/yr

Estimated taxes if purchased at asking price: ~$3,200/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2001)

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

Likely sewer · utiity sewer proximity · Public water · utiity water proximity

County records indicate this parcel on central sewer served by utiity sewer proximity — no septic system to inspect or maintain.

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

Solar potential: ~1,795 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

Aug 28, 2026Pending$200,000
Aug 9, 2026Price change$200,000−$14,000
Jul 24, 2026Listed$214,000

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

Features

Price$200,000

Price / Sq Ft$240

Bedrooms1

Bathrooms1.00

Full Baths1

Square Footage832

Year Built2001

TypeResidential

Sub-TypeCondominium

StyleTraditional

StatusPending

Has PoolNo

Is WaterfrontNo

Community Information

Address520 Florida Club Boulevard 208, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionFlorida Club Condo

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Parcel Number0893252208

ZoningCondominium

Amenities

AmenitiesPool, Clubhouse, Management - Full Time, Management- On Site, Spa/Hot Tub

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingUnassigned

ViewGolf Course

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Primary Bathroom - Tub with Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LaundryIn Unit

Spa FeaturesCommunity

Exterior

Exterior FeaturesBalcony

Lot DescriptionOn Golf Course

Patio / PorchScreened

RoofShingle

ConstructionFrame, Stucco

Road SurfaceAsphalt

Additional Information

Date ListedJuly 24, 2026

Days on Market35

HOA Fees$272 / Monthly

HOA FrequencyMonthly

HOA Fee IncludesMaintenance Grounds, Maintenance Structure, Trash

Tax Amount$1,812.38

Tax Year2025

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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520 Florida Club Boulevard 208

St. Augustine

Mortgage calculator

True monthly cost

Taxes & assessment

Florida Reality Check

Price & status history

Features

Community Information

Amenities

Interior

Exterior

Additional Information

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