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This home is in St. Augustine.

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4 St. Andrews Court

St. Augustine, FL 32084

$799,000$515/sqftEst. $4,074/moMLS# 2157793

Beds

Baths

1,551

Sq Ft

1900

Built

—

Garage

Pool

About this home

St. Augustine

Fabulous fully-renovated and furnished 2-story 3 BR, 2 baths turn of century Victorian in heart of downtown St. Augustine -- close walk to Flagler College, Cathedral, restaurants and shops, and bayfront. Short-term rental income-producing, and ideal for empty nesters or second homeowners. Enjoy the breezes from the rocking chair of your front porch or upstairs balcony. Much of this classic design remains original, from doors, hardware to hardwood floors, which sparkle on first and second floor. Furnished and move-in ready, home flows seamlessly -- combining historic charm with contemporary comforts, making it a truly special find in the heart of the city. Bright updated kitchen that features SS appliances, white cabinets and beautiful countertops.A must see on your downtown St. Augustine showing list!

Cost to own

Mortgage calculator

Home Price

$799,000

Down Payment: 20%

$159,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,074

Principal & Interest: $4,074

Property taxes (est.): $1,063

Insurance (est.): $533

Estimated Total Monthly

$5,670

*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$4,074

Property taxesest. at asking price, St. Johns County$1,063

Estimated total, before insurance$5,137/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: Metal — year not disclosed (home built 1900)

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

Solar potential: ~1,634 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