Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Villages Of Vilano, St. Augustine — a home near St. Augustine High School.

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Active

Active·7 days on market·Villages Of Vilano

110 Ocean Hollow Lane 117

St. Augustine, FL 32084

$349,000$362/sqftEst. $1,800/moMLS# 2157673

Beds

Baths

964

Sq Ft

1989

Built

Garage

Pool

About this home

Villages Of Vilano

Experience coastal living in this beautifully updated 2-bedroom, 2-bathroom, first-floor condo in the highly sought-after Villages of Vilano. This move-in-ready residence offers the ease and convenience of first-floor living, along with the rare opportunity to enjoy stunning sunrises from your backyard lanai or patio and breathtaking sunsets from your front porch. Perfect as a primary residence or vacation getaway, this condo combines comfort, convenience, and an unbeatable location. Enjoy assigned garage parking, private storage, and resort-style amenities, including a beach walkover, marina and boat ramp, indoor heated pool and spa, outdoor pool, fitness center, sauna, clubhouse, tennis and pickleball courts, RV and boat storage, and 24-hour gated security. Located just minutes from historic downtown St. Augustine, shopping, dining, and entertainment, this is your opportunity to enjoy the very best of the Vilano Beach lifestyle.

Cost to own

Mortgage calculator

Home Price

$349,000

Down Payment: 20%

$69,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,800

Principal & Interest: $1,800

Property taxes (est.): $464

Insurance (est.): $233

Estimated Total Monthly

$2,497

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,800

Property taxesest. at asking price, St. Johns County$464

HOAbilled monthly$880

Estimated total, before insurance$3,144/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,168/yr · $264/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): $3,168/yr

Estimated taxes if purchased at asking price: ~$5,600/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 X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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 1989)

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

Solar potential: ~1,787 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 30, 2026Listed$349,000

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

Features

Price$349,000

Price / Sq Ft$362

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage964

Year Built1989

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address110 Ocean Hollow Lane 117, St. Augustine, FL 32084

Area266-Vilano Beach

SubdivisionVillages Of Vilano

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Parcel Number1423850117

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Beach Access, Boat Dock, Boat Launch, Car Wash Area, Clubhouse, Elevator(s), Fitness Center, Gated, Laundry, Management - Full Time, Management - Off Site, Pickleball, Security, Storage, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Garage

ViewOcean