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.

Active

Active·Listed today

5149 Avenue D

St. Augustine, FL 32095

$465,000$162/sqftEst. $2,391/moMLS# 2161428

Beds

Baths

2,869

Sq Ft

1981

Built

—

Garage

Pool

About this home

St. Augustine

Welcome to 5149 Avenue D, a spacious and versatile St. Augustine home situated on approximately 1.45 acres and offering nearly 2,900 square feet of living space. Featuring 5 bedrooms, 3.5 bathrooms and TWO kitchens, this unique floor plan provides exceptional flexibility with a separate in-law suite--perfect for multi-generational living, extended family, guests, or additional private living space. Enjoy the privacy and possibilities of a large homesite while being less than 4 miles from Historic Downtown St. Augustine, with its renowned restaurants, shopping, historic landmarks, waterfront and St. George Street. With generous living areas, a flexible layout, two kitchens and over an acre of land, this property offers a rare combination of space, location and versatility. Don't miss the opportunity to make this unique St. Augustine property your own!

Cost to own

Mortgage calculator

Home Price

$465,000

Down Payment: 20%

$93,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,391

Principal & Interest: $2,391

Property taxes (est.): $619

Insurance (est.): $310

Estimated Total Monthly

$3,319

*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$2,391

Property taxesest. at asking price, St. Johns County$619

Estimated total, before insurance$3,009/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,014/yr · $168/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): $2,014/yr

Estimated taxes if purchased at asking price: ~$7,400/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 A — 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 1981)

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

Likely septic · Public water · SJRWMD Public Delegated St. Johns

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,667 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