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49 Sylvan Drive

St. Augustine, FL 32084

$675,000$399/sqftEst. $3,467/moMLS# 2161209

Beds

Baths

1,691

Sq Ft

1976

Built

Garage

Pool

About this home

St. Augustine

Timeless Character in the Heart of North City Welcome to 49 Sylvan Drive, where the charm of old St. Augustine meets the comforts of modern living. Nestled beneath a canopy of mature trees in the highly sought-after North City neighborhood, this classic 1950s home offers something increasingly difficult to find--a true sense of community. Sidewalks wind through quiet, tree-lined streets where neighbors still gather on front porches, evening walks often turn into friendly conversations, and the pace of life recalls a simpler time. From your front door, enjoy an easy walk or bike ride to historic downtown St. Augustine with its renowned restaurants, boutique shopping, art galleries, live music, and year-round events. Inside, you'll appreciate the warmth and craftsmanship of beautiful original wood floors complemented by thoughtful updates that bring today's conveniences while preserving the home's timeless character. The result is a residence that feels both authentic and move-in ready!

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

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,789/yr · $149/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): $1,789/yr

Estimated taxes if purchased at asking price: ~$10,800/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1976)

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

Solar potential: ~868 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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