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 Pedro Menendez High School.

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Active

Active·2 days on market

6435 Broward Street

St. Augustine, FL 32080

$1,725,000$624/sqftEst. $8,877/moMLS# 2159612

Beds

Baths

2,763

Sq Ft

2024

Built

Garage

Yes

Pool

About this home

St. Augustine

Just one house off the sand, this professionally designed beach house on Broward Street is a masterclass in relaxed coastal luxury. Newly built in 2024 and fully move-in ready, this 5-bedroom, 4-bathroom home spans over 2,700 square feet across three levels, offering a thoughtful blend of livability, style, and craftsmanship. An elevator connects all three floors, making everyday living and guest access both seamless and convenient—whether you're hauling beach gear or hosting friends and family. The main living area is perched on the third floor, where an open-concept kitchen, dining, and living space flows effortlessly onto a spacious deck—perfect for catching the ocean breeze and enjoying the coastal lifestyle. The kitchen features honed Taj Mahal countertops, custom white oak tongue-and-groove paneling on the island, and panel-ready Fisher & Paykel and Bosch appliances, anchored by a Thor range.

Cost to own

Mortgage calculator

Home Price

$1,725,000

Down Payment: 20%

$345,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$8,877

Principal & Interest: $8,877

Property taxes (est.): $2,295

Insurance (est.): $1,150

Estimated Total Monthly

$12,323

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$8,877

Property taxesest. at asking price, St. Johns County$2,295

Estimated total, before insurance$11,173/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$19,047/yr · $1,587/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

Year	Market value	Taxable value	Change
2025	$1,383,571	$1,383,571	—
2024	$398,750	$398,750	—
2023	$251,075	$179,685	—
2022	$207,900	$163,350	—
2021	$148,500	$148,500	—
2020	$148,500	$148,500	—

2025 property taxes (current owner): $19,047/yr

Estimated taxes if purchased at asking price: ~$27,500/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 (2025), 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 2024)

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

Solar potential: ~1,812 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 11, 2026Listed$1,725,000

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

Features

Price$1,725,000

Price / Sq Ft$624

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage2,763

Total Structure Area4,290 sq ft

Acres0.19 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages1

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

School Information

ElementaryW. D. Hartley

MiddleGamble Rogers

HighPedro Menendez

Community Information

Address6435 Broward Street, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionOcean Grove

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Lot Size8,276.4 sq ft

Lot Dimensions50x163

Parcel Number1798540030

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Nook, Elevator, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

# of Stories3

LevelsThree Or More

LaundryUpper Level