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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Davis Shores, St. Augustine — a home near St. Augustine High School.

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Active·48 days on market·Davis Shores

123 Ferdinand Avenue

St. Augustine, FL 32080

$675,000$444/sqftEst. $3,695/moMLS# 2160584
3
Beds
2.5
Baths
1,520
Sq Ft
1974
Built
—
Garage
No
Pool

24 more homes for sale in Davis Shores →Search Davis Shores on the map

FEMA Zone AENo HOA9,148 sqft lotSingle Family Residence2 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Davis Shores

Welcome to 123 Ferdinand Avenue, a beautifully remodeled, turn-key home in the sought-after Davis Shores neighborhood, offering stunning marsh and sunrise views and an unbeatable location just minutes from everything St. Augustine has to offer. Completely remodeled in 2018, this residence combines modern comfort with the relaxed coastal lifestyle that makes St. Augustine so special. Ideally positioned near the Intracoastal waterways, historic downtown, the St. Augustine Lighthouse, beautiful beaches, Anastasia State Park, restaurants, shopping, and countless local attractions, this home puts you close to it all while providing a peaceful retreat with exceptional views. The home features impact windows and has been lifted, adding peace of mind and valuable upgrades for coastal living. From morning coffee overlooking the marsh to an evening exploring the charm of America's oldest city, 123 Ferdinand Avenue is a rare opportunity to enjoy the very best of coastal living.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.28% · 30yr$3,695
Property taxesest. at asking price, St. Johns County$898
Estimated total, before insurance$4,593/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$675,000
$135,000
Loan Term
Monthly Payment
$3,695
Principal & Interest: $3,695
Property taxes (est.): $898
Insurance (est.): $450
Estimated Total Monthly
$5,043
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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.

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: Metal — year not disclosed (home built 1974)

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

Septic system (public record) · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,716 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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:21 AM, sunset 7:05 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Aug 18, 2026Listed$675,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$675,000
Price / Sq Ft$444
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,520
Acres0.21 acres
Year Built1974
TypeResidential
Sub-TypeSingle Family Residence
StyleCottage
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontNo
Direction FacesEast

School Information

Community Information

Address123 Ferdinand Avenue, St. Augustine, FL 32080
Area323-Davis Shores
SubdivisionDavis Shores
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32080
Lot Size9,147.6 sq ft
Parcel Number2224200120
ZoningResidential

Amenities

UtilitiesCable Available
SewerSeptic Tank
Water SourcePublic
ParkingAttached, Off Street
ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Refrigerator, Washer
HeatingElectric
CoolingCentral Air
FlooringWood
# of Stories2
LevelsTwo
LaundryLower Level

Exterior

Exterior FeaturesBalcony, Impact Windows
Patio / PorchFront Porch, Patio, Porch
RoofMetal
ConstructionFrame
Other StructuresShed(s)

Additional Information

Date ListedAugust 18, 2026
Days on Market36
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Davis Shores

Davis Shores is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32080.

View all Davis Shores homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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