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 St. Augustine — a 55+ community home in St. Johns County.

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Active

Active·6 days on market

291 Seloy Drive

St. Augustine, FL 32084

$389,750$237/sqftEst. $1,987/moMLS# 2157950

Beds

Baths

1,646

Sq Ft

2014

Built

Garage

Pool

About this home

St. Augustine

Priced to sell in the desirable 55+ community of Villages of Seloy. This unique property is one of only a handful of homes in Seloy that face a beautiful greenspace and walking path so there is plenty of room to stretch out! This home has never been sold as it was originally used by the developer of Seloy. The property is in perfect condition and has been readied for the first owner! Don't miss this 2 bed, 2 bath beauty. HVAC is only a few years old and has seen very limited use. The clubhouse of Seloy is one of the community highlights boasting a beautiful pool and the activities planned monthly for the residents are second to none. You can stay busy or just kick back and relax.

Cost to own

Mortgage calculator

Home Price

$389,750

Down Payment: 20%

$77,950

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,987

Principal & Interest: $1,987

Property taxes (est.): $519

Insurance (est.): $260

Estimated Total Monthly

$2,766

*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$1,987

Property taxesest. at asking price, St. Johns County$519

HOAbilled monthly$466

Estimated total, before insurance$2,972/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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Tile — year not disclosed (home built 2014)

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

Solar potential: ~1,741 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 August 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