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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St Augustine Shores, St. Augustine.

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Active

Active·2 days on market·St Augustine Shores

551 Deltona Boulevard

St. Augustine, FL 32086

$395,000$240/sqftEst. $2,037/moMLS# 2158613
3
Beds
2
Baths
1,648
Sq Ft
1984
Built
2
Garage
No
Pool

About this home

St Augustine Shores

Enjoy the best of Florida living just minutes from Moultrie Creek, public boat ramps, Vaill Point Park, Crescent Beach, and Historic Downtown St. Augustine! Whether you enjoy boating, kayaking, fishing, beach days, or exploring local shops and restaurants, this home puts it all within easy reach. Move right into this beautifully updated single-story home situated on a spacious corner lot with no neighbors on three sides! Featuring fresh paint, abundant natural light, and durable laminate flooring. The updated kitchen features quartz countertops, soft-close white shaker cabinets, and modern lighting, while both bathrooms have been tastefully renovated. Every bedroom offers a walk-in closet for exceptional storage. Enjoy outdoor living on the large screened patio overlooking the fully fenced backyard with extensive paver areas - perfect for entertaining, relaxing, or pets. A storage shed conveys with the property. The tiered HOA offers optional membership to the Riverview Club.

Cost to own

Mortgage calculator

$395,000
$79,000
Loan Term
Monthly Payment
$2,037
Principal & Interest: $2,037
Property taxes (est.): $526
Insurance (est.): $263
Estimated Total Monthly
$2,826
*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$2,037
Property taxesest. at asking price, St. Johns County$526
HOAbilled monthly$35
Estimated total, before insurance$2,597/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,671/yr · $223/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): $2,671/yr

Estimated taxes if purchased at asking price: ~$6,300/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 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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 1984)

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: ~1,702 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

Price & status history

  • Aug 5, 2026Listed$395,000

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

Features

Price$395,000
Price / Sq Ft$240
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,648
Acres0.26 acres
Year Built1984
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address551 Deltona Boulevard, St. Augustine, FL 32086
Area334-Moultrie/St Augustine Shores
SubdivisionSt Augustine Shores
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32086
Lot Size11,325.6 sq ft
Lot Dimensions95'x119'
Parcel Number2841580010

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringLaminate
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchCovered, Rear Porch, Screened
FencingBack Yard, Privacy
RoofShingle
Other StructuresShed(s)
Road SurfaceAsphalt

Additional Information

Date ListedAugust 5, 2026
Days on Market0
HOA Fees$34.73 / Monthly
HOA FrequencyMonthly
HOA NameSt Augustine Shores Service Corp.
Tax Amount$2,671.3
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

The neighborhood

About St Augustine Shores

St Augustine Shores is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.

View all St Augustine Shores homes for sale →

Listing Courtesy of: WATSON REALTY CORP

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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