195 Cabeza Street

St. Augustine, FL 32080

$749,000$352/sqftEst. $3,819/moMLS# 2157167

Beds

Baths

2,128

Sq Ft

2017

Built

—

Garage

Pool

About this home

Davis Shores

Welcome to your coastal oasis at 195 Cabeza St, a stunning single-family home on beautiful Anastasia Island in St. Augustine, FL. Located in historic Davis Shores, this spacious 4-bed, 3-bath property offers a perfect blend of modern comfort and coastal allure. Enjoy a bright kitchen with premium appliances, custom flooring, and a private fenced yard with a relaxing patio. Steps from the scenic Matanzas River and a short drive to pristine Atlantic Ocean beaches, this home provides ultimate water access. Easily walk or bike across the iconic Bridge of Lions to explore vibrant downtown boutiques, historic landmarks, and top dining. Situated in a premium school district near R.B. Hunt Elementary, this pet-friendly home is ideal for long-term comfort. Experience the absolute best of premier Florida island living today!

Cost to own

Mortgage calculator

Home Price

$749,000

Down Payment: 20%

$149,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,819

Principal & Interest: $3,819

Property taxes (est.): $997

Insurance (est.): $499

Estimated Total Monthly

$5,315

*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$3,819

Property taxesest. at asking price, St. Johns County$997

Estimated total, before insurance$4,816/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,121/yr · $843/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): $10,121/yr

Estimated taxes if purchased at asking price: ~$12,000/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.

History