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 Shores, St. Augustine — a pool home in St. Johns County.

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Active

Active·2 days on market·St Augustine Shores

639 Aleida Drive

St. Augustine, FL 32086

$509,900$270/sqftEst. $2,630/moMLS# 2158683

Beds

Baths

1,888

Sq Ft

1997

Built

Garage

Yes

Pool

About this home

St Augustine Shores

NEW HVAC INSTALLED JUNE 2026! Imagine ending every day in your own private backyard retreat--complete with a heated saltwater pool, tiki hut, hot tub, firepit, and plenty of space to gather with family and friends. This move-in ready home offers the perfect blend of comfort, style, and Florida living. Step inside to soaring vaulted ceilings and an open, airy layout that welcomes you from the moment you enter. The spacious living and dining areas flow seamlessly into the updated kitchen, where a charming breakfast nook provides the perfect place to start your day. Designed for privacy, the split-bedroom floor plan features a generous owner's suite with a walk-in closet and private bath, while two additional bedrooms and a full bath are tucked away on the opposite side of the home. Additional heated & cooled space can be found in the versatile sunroom which overlooks the pool and can be opened to the main living space or closed off with French doors.

Cost to own

Mortgage calculator

Home Price

$509,900

Down Payment: 20%

$101,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,630

Principal & Interest: $2,630

Property taxes (est.): $679

Insurance (est.): $340

Estimated Total Monthly

$3,648

*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$2,630

Property taxesest. at asking price, St. Johns County$679

HOAbilled monthly$35

Estimated total, before insurance$3,343/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,450/yr · $204/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): $2,450/yr

Estimated taxes if purchased at asking price: ~$8,100/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 1997)

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: ~1,651 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