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This home is in St. Augustine.

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Active

Active·2 days on market

1134 Ardmore Street

St. Augustine, FL 32092

$359,900$215/sqftEst. $1,848/moMLS# 2160883

Beds

Baths

1,674

Sq Ft

2002

Built

Garage

Pool

About this home

St. Augustine

Fully renovated, move-in ready 3BR/2BA in World Golf Village -- new kitchen, baths & floors, open plan, and a flex room. Step inside to a bright, open layout where a brand-new kitchen flows into the dining and living areas, wrapped in fresh flooring and warmed by a fireplace. Modern cabinetry and counters, spa-style baths, and rebuilt windows fill the home with light. With a newer roof in place, the big-ticket items are done -- nothing to do but unpack. The oversized primary suite offers a large walk-in closet plus a private bonus room, ideal as an office, gym, or sitting room and easily converted to a 4th bedroom. Add a 2-car garage, low-maintenance yard, and quiet interior street. All in The Meadows at World Golf Village: low HOA, no CDD, A-rated St. Johns County schools, with golf, dining, shopping, and I-95 minutes away. Renovated homes at this price don't sit in WGV -- come see it before it's gone. Seller holds a FL Real Estate License

Cost to own

Mortgage calculator

Home Price

$359,900

Down Payment: 20%

$71,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,848

Principal & Interest: $1,848

Property taxes (est.): $479

Insurance (est.): $240

Estimated Total Monthly

$2,567

*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$1,848

Property taxesest. at asking price, St. Johns County$479

HOAbilled annually$25

Estimated total, before insurance$2,353/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 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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 2002)

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: ~1,721 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

Price & status history

Aug 19, 2026Listed$359,900

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

Features

Price$359,900

Price / Sq Ft$215

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,674

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address1134 Ardmore Street, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionMeadows At St Johns

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number0288210360

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup