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 St. Augustine High School.

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Active

Active·1 day on market

237 Riberia Street

St. Augustine, FL 32084

$599,000$459/sqftEst. $3,083/moMLS# 2160371

Beds

Baths

1,304

Sq Ft

1996

Built

—

Garage

Pool

About this home

St. Augustine

**PRIME LOCATION**INCOME PRODUCING AIR BNB *FULLY FURNISHED*LARGE BACKYARD* Discover the charm of St Augustine in this delightful 4 bed/2 bath bungalow! Step inside and be greeted by a truly cozy feel throughout, and spacious living areas. The kitchen equipped with modern appliances, making meal preparation a breeze. Enjoy the added convenience of a smart thermostat, allowing for effortless climate control. Stylish wood-like LVP flooring flows seamlessly through the main living spaces, while plush carpeting adds comfort to the bedrooms. Outside, a large, shaded front yard and driveway provides ample parking and space. The backyard boasts a firepit, perfect for evening gatherings. The location is truly amazing, situated just 5 mins from downtown St. Augustine. Explore iconic landmarks and museums. Wander along St. George Street with plenty of shopping, admire the majestic Bridge of Lions and Castillo de San Marcos, and even discover America's narrowest road, Treasury St.

Cost to own

Mortgage calculator

Home Price

$599,000

Down Payment: 20%

$119,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,083

Principal & Interest: $3,083

Property taxes (est.): $797

Insurance (est.): $399

Estimated Total Monthly

$4,279

*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$3,083

Property taxesest. at asking price, St. Johns County$797

Estimated total, before insurance$3,880/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,855/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

Year	Market value	Taxable value	Change
2025	$447,656	$447,656	—
2024	$459,193	$459,193	—
2023	$445,211	$445,211	—
2022	$376,134	$288,796	—
2021	$266,964	$262,542	—
2020	$241,381	$238,675	—

2025 property taxes (current owner): $8,855/yr

Estimated taxes if purchased at asking price: ~$9,600/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 (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 1996)

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

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,593 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