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·4 days on market

295 Seloy Drive

St. Augustine, FL 32084

$379,500$250/sqftEst. $1,957/moMLS# 2158450

Beds

Baths

1,520

Sq Ft

2014

Built

Garage

Pool

About this home

St. Augustine

Come see this rare find! Home was occupied by the builder/developer of Seloy, a 55+ community, and has never had a true owner. Property is immaculate, appliances and HVAC hardly used. Nicely situated near the clubhouse for an easy walk in the morning for your workout and swim at the gorgeous club pool. Reasonable HOA monthly fees. The activities committee has numerous events which can be downloaded in this MLS. The property is very much Seloy style with copious amounts of sunlight streaming throughout the interior of this 2 bed, 2 bath home.

Cost to own

Mortgage calculator

Home Price

$379,500

Down Payment: 20%

$75,900

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,957

Principal & Interest: $1,957

Property taxes (est.): $505

Insurance (est.): $253

Estimated Total Monthly

$2,715

*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$1,957

Property taxesest. at asking price, St. Johns County$505

HOAbilled monthly$438

Estimated total, before insurance$2,900/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: material not specified — 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