This home is in St. Augustine.

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Active·Listed today

550 Florida Club Boulevard 303

St. Augustine, FL 32084

$199,900$199/sqftEst. $1,019/moMLS# 2157447

Beds

Baths

1,004

Sq Ft

2001

Built

—

Garage

Pool

About this home

St. Augustine

2BR CONDO AT FLORIDA CLUB CONDOS LOCATED WITHIN ROYAL ST AUGUSTINE GOLF CLUB COMMUNITY. Peaceful top floor living in this beautifully updated condo with no neighbors above you & zero overhead foot traffic! Every window looks out to lush green trees offering serenity & privacy, plus a peaceful view of the sparkling lake fountain. Premium upgrades! New LVP flooring throughout entire condo; brand new, never used stainless steel kitchen appliances; freshly painted; crisp, clean & entirely move in ready! Covered 12 ft balcony with views of one of the many community lakes. Amenities include golf course community, clubhouse with pool & hot tub, exercise room, meeting room & kitchen, game room with pool table, plus tennis, basketball, pickleball, playground, park & jogging path. AWESOME LOCATION! 1.2 mi to St Johns River State College, 4 mi to Flagler College & University of St Augustine! Only 6 miles to the beach and St Augustine Amphitheater, & just 2.8 mi to historic downtown St Augustine!

Cost to own

Mortgage calculator

Home Price

$199,900

Down Payment: 20%

$39,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,019

Principal & Interest: $1,019

Property taxes (est.): $266

Insurance (est.): $133

Estimated Total Monthly

$1,418

*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$1,019

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

HOAbilled monthly$328

Estimated total, before insurance$1,613/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,000/yr · $167/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): $2,000/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.

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 2001)

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

Solar potential: ~1,786 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