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 St. Augustine High School.

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Active

Active·9 days on market

22 Comares Avenue 5A

St. Augustine, FL 32080

$194,500$234/sqftEst. $1,000/moMLS# 2160979

Beds

Baths

832

Sq Ft

1966

Built

—

Garage

Pool

About this home

St. Augustine

Discover the perfect blend of coastal charm and investment potential with this beautifully updated 2-bedroom, 1-bathroom ground-floor condo in the desirable Salt Run I Condominiums. Featuring new carpet and fresh interior paint, this move-in-ready home offers a clean, inviting interior that's ready for its next owner. Enjoy peace of mind with major updates already completed, including a new roof, new HVAC system (2023). Even better, this unit has never flooded, providing added confidence in one of St. Augustine's most sought-after locations. Whether you're looking for a full-time residence, vacation getaway, or income-producing property, this condo offers exceptional flexibility with no restrictions on short-term rentals. Being vacant and move-in ready means you can begin enjoying it or generating rental income immediately.

Cost to own

Mortgage calculator

Home Price

$194,500

Down Payment: 20%

$38,900

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,000

Principal & Interest: $1,000

Property taxes (est.): $259

Insurance (est.): $130

Estimated Total Monthly

$1,388

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,000

Property taxesest. at asking price, St. Johns County$259

HOAbilled monthly$552

Estimated total, before insurance$1,811/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,011/yr · $334/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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): $4,011/yr

Estimated taxes if purchased at asking price: ~$3,100/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 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: Shingle — year not disclosed (home built 1966)

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

Solar potential: ~1,779 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