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 home near St. Augustine High School.

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Active

Active·7 days on market

650 W Pope Road 220

St. Augustine, FL 32080

$218,880$268/sqftEst. $1,129/moMLS# 2158141

Beds

Baths

816

Sq Ft

1985

Built

—

Garage

Pool

About this home

St. Augustine

Discover easy coastal living in this updated 2bd/2bath 2nd-floor end unit in the heart of St. Aug. Bch! Offering comfortable living space, this light-filled retreat features stainless steel appliances, stylish LVP flooring, quarts countertops, white shaker cabinets, updated bathrooms, fans, new lighting, fresh interior paint and water heater in 2025. You'll enjoy a pond view from the balcony and the convenience of low maintenance living. Take an easy 1.6 mi bike ride east to the beach and the iconic St. Aug. Bch Pier or relax by the community pool. Ideally located just mins. from historic St. Augustine, the Ampitheatre, YMCA, US-1, shopping, dining and medical facilities. Whether you're looking for a primary residence, vacation getaway or investment opportunity (no short-term rentals), this condo offers the perfect blend of location, lifestyle and value! Pets allowed with some restrictions. Call for a showing now...this one won't last long. Some photos digitally staged.

Cost to own

Mortgage calculator

Home Price

$218,880

Down Payment: 20%

$43,776

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,129

Principal & Interest: $1,129

Property taxes (est.): $291

Insurance (est.): $146

Estimated Total Monthly

$1,566

*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$1,129

Property taxesest. at asking price, St. Johns County$291

HOAbilled monthly$430

Estimated total, before insurance$1,850/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,013/yr · $168/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): $2,013/yr

Estimated taxes if purchased at asking price: ~$3,500/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Shingle — year not disclosed (home built 1985)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,772 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