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This home is in St Augustine Shores, St. Augustine.

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Active

Active·4 days on market·St Augustine Shores

405 Travino Avenue

St. Augustine, FL 32086

$314,995$271/sqftEst. $1,618/moMLS# 2160785

Beds

Baths

1,163

Sq Ft

1980

Built

Garage

Pool

About this home

St Augustine Shores

Welcome home to this well-maintained property in the desirable St. Augustine Shores community! Featuring a newer roof, spacious living areas, and generously sized bedrooms, this home offers a comfortable and functional layout for everyday living. Step outside to enjoy the expansive backyard, complete with a huge patio that's perfect for entertaining, relaxing, or enjoying Florida's beautiful weather. The enclosed patio with sliding windows provides additional flexible living space that can be enjoyed year-round.The home also includes a washer and dryer, making it truly move-in ready. Conveniently located near shopping, dining, schools, parks, and just a short drive to historic downtown St. Augustine and the beaches, this property offers an excellent opportunity to enjoy all that St. Augustine Shores has to offer.

Cost to own

Mortgage calculator

Home Price

$314,995

Down Payment: 20%

$62,999

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,618

Principal & Interest: $1,618

Property taxes (est.): $419

Insurance (est.): $210

Estimated Total Monthly

$2,247

*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$1,618

Property taxesest. at asking price, St. Johns County$419

HOAbilled monthly$34

Estimated total, before insurance$2,071/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,030/yr · $336/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): $4,030/yr

Estimated taxes if purchased at asking price: ~$5,000/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.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 1980)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,785 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