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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St. Augustine — a pool home in St. Johns County.

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Active

Active·16 days on market

211 Twenty-First Street

St. Augustine, FL 32084

$1,794,000$553/sqftEst. $9,937/moMLS# 2161608
↓ $5,000 below original list
4
Beds
3.5
Baths
3,244
Sq Ft
2018
Built
2
Garage
Yes
Pool
FEMA Zone XNo HOA9,148 sqft lotSingle Family Residence3 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

St. Augustine

INCREDIBLE TURNKEY VILANO BEACH STR WITH OCEAN VIEWS, PRIVATE HEATED POOL + SEPARATE CASITA! Already operating as an active Airbnb, this spacious 5BR/4.5BA property is ready for its next owner to step in and start operating from day one. Located just steps from Vilano Beach and minutes from Historic Downtown St. Augustine, the home offers beautiful ocean and Intracoastal views, multiple balconies, a private pool and plenty of space for guests to spread out. A separate casita with its own bedroom, full bath and kitchenette adds another level of flexibility for guests, extended family or additional rental income. The large lot, two-car garage, multiple living spaces and water views throughout make this an incredible setup for a top-tier St. Augustine vacation rental. Offered turnkey with projected potential to gross $200K+ annually.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$9,937
Property taxesest. at asking price, St. Johns County$2,387
Estimated total, before insurance$12,324/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$18,279/yr · $1,523/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,794,000
$358,800
Loan Term
Monthly Payment
$9,937
Principal & Interest: $9,937
Property taxes (est.): $2,387
Insurance (est.): $1,196
Estimated Total Monthly
$13,520
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: Shingle — year not disclosed (home built 2018)

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

Solar potential: ~1,709 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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard and pool on the south side. Today at this address: sunrise 7:23 AM, sunset 7:01 PM.

  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $18,279/yr

Estimated taxes if purchased at asking price: ~$28,600/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.

History

Price & status history

  • Oct 7, 2026Price change$1,794,000−$5,000
  • Sep 22, 2026Active$1,799,000
  • Sep 15, 2026Pending$1,799,000
  • Aug 24, 2026Listed$1,799,000

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

Features

Price$1,794,000
Price / Sq Ft$553
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,244
Total Structure Area4,742 sq ft
Acres0.21 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo
Direction FacesNorth

Community Information

Address211 Twenty-First Street, St. Augustine, FL 32084
Area266-Vilano Beach
SubdivisionPacetti North Beach
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size9,147.6 sq ft
Parcel Number1461600110
ZoningResidential

Amenities

UtilitiesCable Available, Cable Connected, Natural Gas Available, Propane
SewerPublic Sewer
Water SourcePublic
Green / EnergyDoors, Windows
ParkingAdditional Parking, Attached, Garage, Garage Door Opener
ViewOcean

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, In-Law Floorplan, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral, Zoned
CoolingCentral Air, Zoned
FlooringVinyl
# of Stories3
LevelsThree Or More
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Exterior FeaturesBalcony
Lot DescriptionCul-De-Sac, Irregular Lot, Sprinklers In Front, Sprinklers In Rear
Patio / PorchDeck, Front Porch, Porch, Screened
FencingBack Yard
RoofShingle
ConstructionFiber Cement
Other StructuresGuest House, Shed(s)
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 22, 2026
Days on Market33
Tax Amount$18,279.21
Tax Year2025
Listing TermsConventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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