This home is in North Beach, St. Augustine.

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Active

Active·Listed today·North Beach

301 Twelvth Street

St. Augustine, FL 32084

$1,190,000$558/sqftEst. $6,067/moMLS# 2157327

Beds

Baths

2,131

Sq Ft

2026

Built

Garage

Yes

Pool

About this home

North Beach

New Construction Pool Home, Corner Lot, 1 Block to Ocean, No HOA! Secure your coastal retreat or vacation home before construction is complete. Featuring 2131sqft of living space, 4 beds, 3.5 baths, one-car garage, saltwater pool, LVP flooring throughout, Hardie siding exterior, and impact resistant windows. Walkable to the beach and minutes from historic St. Augustine, dining, and entertainment. Perfect for both full-time living or short-term rental opportunities, this prime location delivers both relaxation and strong investment potential. 2-10 Builders Home Warranty included with purchase

Cost to own

Mortgage calculator

Home Price

$1,190,000

Down Payment: 20%

$238,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$6,067

Principal & Interest: $6,067

Property taxes (est.): $1,584

Insurance (est.): $793

Estimated Total Monthly

$8,444

*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$6,067

Property taxesest. at asking price, St. Johns County$1,583

Estimated total, before insurance$7,651/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.

Storms & insurance

Florida Reality Check

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

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,822 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

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