This home is in Buena Esperanza, St. Augustine.

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Active

Active·Listed today·Buena Esperanza

158 Washington Street

St. Augustine, FL 32084

$997,000$414/sqftEst. $5,083/moMLS# 2157070

Beds

Baths

2,408

Sq Ft

2004

Built

Garage

Pool

About this home

Buena Esperanza

Discover the perfect blend of privacy, space, and historic charm at 158 Washington St., ideally located on a quiet private street in the heart of historic downtown St. Augustine. Built in 2004 and elevated with durable concrete block construction, this spacious 4-bedroom, 2.5-bath home offers 2,409 square feet of comfortable living space and an oversized two-car garage. Inside features an electric fireplace, beautiful wood floors that add warmth and character throughout the home. Enjoy breathtaking direct marsh views from both the inviting front porch and the upper deck--perfect spots to relax, take in the scenery, and enjoy St. Augustine's natural beauty. The very private backyard (artificial grass low maintenance) provides a peaceful retreat and plenty of space to enjoy outdoor living and with its generous floor plan and excellent separation of living spaces.

Cost to own

Mortgage calculator

Home Price

$997,000

Down Payment: 20%

$199,400

Interest Rate: 6.58%

Loan Term

Monthly Payment

$5,083

Principal & Interest: $5,083

Property taxes (est.): $1,327

Insurance (est.): $665

Estimated Total Monthly

$7,075

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$5,083

Property taxesest. at asking price, St. Johns County$1,327

Estimated total, before insurance$6,410/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,706/yr · $642/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): $7,706/yr

Estimated taxes if purchased at asking price: ~$15,900/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: material not specified — year not disclosed (home built 2004)

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: ~1,815 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 25, 2026Listed$997,000

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

Features

Price$997,000

Price / Sq Ft$414

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,408

Total Structure Area3,600 sq ft

Acres0.16 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesEast

School Information

ElementaryKetterlinus

MiddleMurray

HighSt. Augustine

Community Information

Address158 Washington Street, St. Augustine, FL 32084

Area322-Downtown St Augustine

SubdivisionBuena Esperanza

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size6,969.6 sq ft

Lot Dimensions50 x 155

Parcel Number2125500170

ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener, Off Street

Waterfront TypeMarsh

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Multi Units

FlooringCarpet, Tile, Wood

FireplaceYes

Fireplace FeaturesElectric

# of Stories2

LevelsTwo