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

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Active

Active·3 days on market·Davis Shores

123 Ferdinand Avenue

St. Augustine, FL 32080

$675,000$444/sqftEst. $3,467/moMLS# 2160584

Beds

Baths

1,520

Sq Ft

1974

Built

—

Garage

Pool

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

Mortgage calculator

Home Price

$675,000

Down Payment: 20%

$135,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,467

Principal & Interest: $3,467

Property taxes (est.): $898

Insurance (est.): $450

Estimated Total Monthly

$4,815

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$3,467

Property taxesest. at asking price, St. Johns County$898

Estimated total, before insurance$4,365/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.

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.

History