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Active

Active·9 days on market

112 E Street

St. Augustine Beach, FL 32080

$725,000$420/sqftEst. $3,723/moMLS# 2159721

Beds

Baths

1,728

Sq Ft

1985

Built

—

Garage

Pool

About this home

St. Augustine Beach

Opportunities like this are few and far between in the highly coveted ''Letter Streets'' of Coquina Gables. Located just one block from the Atlantic Ocean and moments from some of St. Augustine Beach's favorite restaurants, coffee shops, bars, and local businesses, 112 E Street offers an exceptional combination of location, lifestyle, and long-term flexibility. This beautifully updated and thoughtfully maintained property features two separate residences, Units A and B, each offering two bedrooms, one bathroom, a functional two-story townhome-style layout, and the added privacy of having no neighbors above or below. Both units feature an inviting first floor where the kitchen, living, and dining spaces flow seamlessly together, along with additional under-stair storage and direct access to covered outdoor living and fully fenced backyard spaces. Upstairs, two spacious bedrooms and a full bathroom create comfortable separation between the living and sleeping areas.

Cost to own

Mortgage calculator

Home Price

$725,000

Down Payment: 20%

$145,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,723

Principal & Interest: $3,723

Property taxes (est.): $965

Insurance (est.): $483

Estimated Total Monthly

$5,171

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$3,723

Property taxesest. at asking price, St. Johns County$965

Estimated total, before insurance$4,688/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,854/yr · $738/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): $8,854/yr

Estimated taxes if purchased at asking price: ~$11,600/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Metal — year not disclosed (home built 1985)

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: ~1,791 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