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This home is in Surfside, St. Augustine.

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Active

Active·1 day on market·Surfside

184 Surfside Avenue

St. Augustine, FL 32084

$879,900$1173/sqftEst. $4,519/moMLS# 2161088

Beds

Baths

750

Sq Ft

1925

Built

—

Garage

Pool

About this home

Surfside

RARE VILANO BEACH OPPORTUNITY -- BEAUTIFUL COTTAGE + OVERSIZED HOMESITE JUST MINUTES FROM THE BEACH This is the kind of property that rarely comes available in this sought-after coastal location. Located just approximately 0.2 miles from the beach, this beautiful property offers the best of both worlds: a charming cottage you can enjoy now and an exceptional homesite with tremendous potential for the future. The existing cottage provides an easy opportunity to use the property as a vacation getaway, weekend retreat, investment property, or comfortable coastal home while you take your time deciding whether to build your dream primary residence. The oversized 103' x 125' lot offers plenty of possibilities for a future custom home. With the property's gentle coastal breezes coming from the nearby Intracoastal Waterway, you can enjoy the setting today while envisioning what could be built tomorrow.

Cost to own

Mortgage calculator

Home Price

$879,900

Down Payment: 20%

$175,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,519

Principal & Interest: $4,519

Property taxes (est.): $1,171

Insurance (est.): $587

Estimated Total Monthly

$6,276

*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$4,519

Property taxesest. at asking price, St. Johns County$1,171

Estimated total, before insurance$5,690/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,090/yr · $174/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): $2,090/yr

Estimated taxes if purchased at asking price: ~$14,100/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: material not specified — year not disclosed (home built 1925)

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

Solar potential: ~1,514 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