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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5466 4th Street

St. Augustine, FL 32080

$599,900$469/sqftEst. $3,087/moMLS# 2160464

Beds

Baths

1,280

Sq Ft

1989

Built

—

Garage

Pool

About this home

St. Augustine

Welcome to the perfect beach house! Just STEPS from the beach and close to a nearby boat ramp, this beautifully maintained 3-bedroom, 2-bath home offers the perfect combination of coastal living, comfort, and versatility. Elevated on columns, the home also features an enclosed, air-conditioned bonus/man cave area--ideal for entertaining, hobbies, a home gym, or extra recreational space. Inside, you'll love the bright, open layout with tall ceilings and an abundance of natural light. This home has been meticulously cared for, exceptionally clean, and truly move-in ready! Major updates include a NEW ROOF in 2025, NEW ELECTRICAL PANEL in 2025, newer windows and doors, and flooring throughout replaced in 2020. Outdoor living is a highlight with TWO raised decks, TWO carports, and a spacious backyard with a NEW fully fenced yard completed in 2024--perfect for pets, entertaining, or simply relaxing after a day at the beach.

Cost to own

Mortgage calculator

Home Price

$599,900

Down Payment: 20%

$119,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,087

Principal & Interest: $3,087

Property taxes (est.): $798

Insurance (est.): $400

Estimated Total Monthly

$4,285

*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$3,087

Property taxesest. at asking price, St. Johns County$798

Estimated total, before insurance$3,886/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,228/yr · $436/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): $5,228/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, NEFMLS.

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 — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,837 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

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