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 Summerhouse, St. Augustine Beach — an oceanfront home in Northeast Florida.

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Active

Active·Listed today·Summerhouse

8550 A1A S 45254

St. Augustine Beach, FL 32080

$575,000$540/sqftEst. $2,932/moMLS# 2158514

Beds

Baths

1,064

Sq Ft

1982

Built

—

Garage

Pool

About this home

Summerhouse

Rarely available: the best-priced direct oceanfront condo in Summer House. This 2-bedroom, 2.5-bath unit sits right on the sand, with unobstructed Atlantic views from nearly every room and beach-inspired decor throughout. Being sold fully furnished and turnkey. The open living area faces the water for an immersive ocean view rarely found at this price point. Both bedrooms are generously sized, with 2.5 baths for comfort and convenience. Summer House residents enjoy resort-style amenities including tennis courts and a community pool, plus direct beach access steps from your door. A proven successful vacation rental history adds strong income potential for investors, alongside its appeal as a primary or second home. Don't miss this rare direct oceanfront opportunity at the best value in the community!

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,932

Principal & Interest: $2,932

Property taxes (est.): $765

Insurance (est.): $383

Estimated Total Monthly

$4,080

*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$2,932

Property taxesest. at asking price, St. Johns County$765

HOAbilled monthly$681

Estimated total, before insurance$4,378/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,287/yr · $607/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): $7,287/yr

Estimated taxes if purchased at asking price: ~$9,200/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.

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: Shingle — year not disclosed (home built 1982)

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

Solar potential: ~1,643 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

Price & status history

Aug 4, 2026Listed$575,000

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

Features

Price$575,000

Price / Sq Ft$540

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,064

Year Built1982

TypeResidential

Sub-TypeCondominium

StyleTraditional

StatusActive

Has PoolNo

Is WaterfrontYes

55+ CommunityYes

School Information

ElementaryW. D. Hartley

MiddleGamble Rogers

HighPedro Menendez

Community Information

Address8550 A1A S 45254, St. Augustine Beach, FL 32080

Area332-Crescent Beach/Summer Haven

SubdivisionSummerhouse

CitySt. Augustine Beach

CountySt. Johns

StateFL

Zip Code32080

Parcel Number1865345254

Amenities

AmenitiesPool, Barbecue, Beach Access, Car Wash Area, Clubhouse, Maintenance Grounds, Management - Off Site, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAssigned, Guest, On Street

ViewBeach, Ocean

Waterfront TypeOcean Front