451 County Road 13 S

St. Augustine, FL 32092

$485,000$583/sqftEst. $2,473/moMLS# 2157342

Beds

Baths

832

Sq Ft

1966

Built

—

Garage

Pool

About this home

Riverdale

Discover this exceptional St. Johns Riverfront parcel along the Scenic Highway, featuring a brand-new 400-foot dock with boathouse, 2 lifts and upper sunset deck providing breathtaking panoramic water views. Whether you're dreaming of building a private waterfront estate or creating the ultimate boating retreat, this rare property offers direct deep-water access, stunning sunrises, colorful sunsets and endless opportunities to enjoy Florida's most iconic river. Experience the perfect blend of natural beauty, privacy, and waterfront living. The property comes with a small house , deep well & septic, and impact credits if a new home is built. A short drive will take you to Historic St Augustine, sandy beaches, quality restaurants, and ''A'' rated schools

Cost to own

Mortgage calculator

Home Price

$485,000

Down Payment: 20%

$97,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,473

Principal & Interest: $2,473

Property taxes (est.): $645

Insurance (est.): $323

Estimated Total Monthly

$3,442

*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$2,473

Property taxesest. at asking price, St. Johns County$645

Estimated total, before insurance$3,118/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,280/yr · $357/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): $4,280/yr

Estimated taxes if purchased at asking price: ~$7,700/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