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This home is in Pacetti North Beach, St. Augustine.

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Active

Active·2 days on market·Pacetti North Beach

603 Boating Club Road

St. Augustine, FL 32084

$689,000$513/sqftEst. $3,542/moMLS# 2159928

Beds

Baths

1,344

Sq Ft

2018

Built

—

Garage

Pool

About this home

Pacetti North Beach

Turnkey coastal investment steps from the Intracoastal! Built in 2018, this like-new 3BR/2BA home sits on a fenced 0.11-acre lot and comfortably sleeps up to 8, with a king, queen, two twins, and a living room daybed. Sold as a successful, established short-term rental with active listings and guest reviews across Airbnb, Vrbo, Booking.com and Google. Open, fully-equipped kitchen and a backyard built for entertaining - gas fire pit, grill, hammock, and parking for boats/RVs (up to 5 vehicles). Just a half-mile to Vilano Beach and a 10-minute drive to historic downtown St. Augustine, with local restaurants, Anastasia State Park and the Lighthouse nearby. No HOA, no CDD. Ideal for an investor continuing a proven rental program or a buyer wanting a low-maintenance beach-town retreat. Buyer/buyer's agent to verify STR eligibility and registration requirements with St. Johns County.

Cost to own

Mortgage calculator

Home Price

$689,000

Down Payment: 20%

$137,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,542

Principal & Interest: $3,542

Property taxes (est.): $917

Insurance (est.): $459

Estimated Total Monthly

$4,918

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,542

Property taxesest. at asking price, St. Johns County$917

Estimated total, before insurance$4,459/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,770/yr · $647/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): $7,770/yr

Estimated taxes if purchased at asking price: ~$11,000/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 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: material not specified — year not disclosed (home built 2018)

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

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