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 gated community home in St. Johns County.

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Active·2 days on market

4225 A1A S K105

St. Augustine, FL 32080

$205,000$513/sqftEst. $1,054/moMLS# 2161706

Beds

Baths

400

Sq Ft

2002

Built

—

Garage

Pool

About this home

St. Augustine

Enjoy easy coastal living at Site K105 in the highly desirable Ocean Grove RV Campground. Tucked toward the rear of the community and conveniently located near the boat launch, this fully furnished 1-bedroom, 1-bath park model offers a comfortable retreat for full-time living, weekend getaways, or an investment opportunity. Inside, you'll find vinyl plank flooring, newer carpet in the bedroom, and an updated kitchen with newer appliances. An enclosed patio adds valuable additional living space and is the perfect spot to open the windows and enjoy the cool fall breeze. A covered carport provides convenient parking and added protection from the elements.

Cost to own

Mortgage calculator

Home Price

$205,000

Down Payment: 20%

$41,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,054

Principal & Interest: $1,054

Property taxes (est.): $273

Insurance (est.): $137

Estimated Total Monthly

$1,463

*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$1,054

Property taxesest. at asking price, St. Johns County$273

Estimated total, before insurance$1,327/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.

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 2002)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,700 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