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This home is in Davis Shores, St. Augustine.

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Active·Listed today·Davis Shores

14 Coquina Avenue

St. Augustine, FL 32080

$450,000$426/sqftEst. $2,313/moMLS# 2162121

Beds

Baths

1,056

Sq Ft

1958

Built

Garage

Pool

About this home

Davis Shores

Welcome to 14 Coquina Ave, a charming mid-century home in the highly desirable Davis Shores neighborhood of St. Augustine. Location can't be beat with easy access to historic downtown, the Bridge of Lions, local parks, the Amphitheatre, and the beaches. Built in 1958, this 2 bdr/1 ba concrete block home blends character with thoughtful updates and offers a spacious backyard. Inside you'll find pine beam ceilings, an updated kitchen, a light-filled sunroom, ceiling fans and updated lighting throughout. Original architectural details continue outdoors with a classic breeze block patio and an outdoor shower. The one-car garage provides additional storage and functionality. Several major improvements have already been completed, including a newer roof (2018), tankless water heater, propane setup, and updates to the home's plumbing and electrical systems in 2016. AC system is 1 year old. Systems were installed at an elevated height as an added flood mitigation measure.

Cost to own

Mortgage calculator

Home Price

$450,000

Down Payment: 20%

$90,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,313

Principal & Interest: $2,313

Property taxes (est.): $599

Insurance (est.): $300

Estimated Total Monthly

$3,212

*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$2,313

Property taxesest. at asking price, St. Johns County$599

Estimated total, before insurance$2,912/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,369/yr · $531/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): $6,369/yr

Estimated taxes if purchased at asking price: ~$7,200/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