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 Royal St Augustine, St. Augustine.

1 / 43

Pending

Pending·Listed today·Royal St Augustine

369 Orchis Road

St. Augustine, FL 32086

$329,999$234/sqftEst. $1,698/moMLS# 2160030

Beds

Baths

1,412

Sq Ft

1978

Built

Garage

Pool

About this home

Royal St Augustine

Welcome to this charming 2-bedroom, 2-bath home with a versatile loft, offering the perfect blend of comfort, character, and opportunity in the highly desirable St. Augustine South community. With no HOA, this property offers excellent flexibility as a primary residence, vacation home, or short-term rental investment (subject to local regulations). Recent updates provide peace of mind, including a 2022 HVAC system, 2023 water heater, freshly repainted exterior, an updated primary bathroom, and brand-new front and rear decks that create inviting spaces to relax or entertain outdoors. The fully fenced backyard offers plenty of room for pets, play, or future outdoor enhancements, while the loft provides flexible space for a home office, guest accommodations, hobby room, or additional living area.

Cost to own

Mortgage calculator

Home Price

$329,999

Down Payment: 20%

$66,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,698

Principal & Interest: $1,698

Property taxes (est.): $439

Insurance (est.): $220

Estimated Total Monthly

$2,357

*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$1,698

Property taxesest. at asking price, St. Johns County$439

Estimated total, before insurance$2,137/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1978)

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

Solar potential: ~1,463 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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