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 waterfront home in St. Johns County.

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Active

Active·4 days on market

927 S Ponce De Leon Boulevard

St. Augustine, FL 32084

$549,000$458/sqftEst. $2,837/moMLS# 2162138

Beds

Baths

1,200

Sq Ft

1986

Built

Garage

Pool

About this home

St. Augustine

Wake up to endless views of the San Sebastian River and experience waterfront living just minutes from the heart of historic St. Augustine. This beautifully reimagined 2-bedroom, 2.5-bath residence offers the opportunity to enjoy life on the water with your own private boat slip with electric and navigable access to the Intracoastal Waterway and Atlantic Ocean. Inside, extensive improvements and a high level of craftsmanship create a refined yet comfortable home where thoughtful design is evident throughout. Renovated down to the concrete firewalls, the residence features soaring 12-foot ceilings on the main level, custom carpentry, imported finishes, bespoke wood vanities, designer tilework, elevated lighting, luxury flooring, and high-end appliances, including a double-drawer dishwasher. Motion-activated LED stair lighting illuminates each step, adding another distinctive detail to the home's design. Thoughtfully designed storage is found throughout, including custom pull-out under

Cost to own

Mortgage calculator

Home Price

$549,000

Down Payment: 20%

$109,800

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,837

Principal & Interest: $2,837

Property taxes (est.): $731

Insurance (est.): $366

Estimated Total Monthly

$3,933

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,837

Property taxesest. at asking price, St. Johns County$731

HOAbilled monthly$945

Estimated total, before insurance$4,513/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,795/yr · $733/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): $8,795/yr

Estimated taxes if purchased at asking price: ~$8,800/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.

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: Metal — year not disclosed (home built 1986)

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

Solar potential: ~1,689 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 September 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

Price & status history

Sep 2, 2026Active$549,000
Aug 27, 2026Listed$549,000

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

Features

Price$549,000

Price / Sq Ft$458

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,200

Year Built1986

TypeResidential

Sub-TypeCondominium

StyleVilla

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address927 S Ponce De Leon Boulevard, St. Augustine, FL 32084

Area322-Downtown St Augustine

SubdivisionSebastian Harbor Villas

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Parcel Number1279050927

ZoningResidential

Amenities

AmenitiesPool, Boat Dock, Boat Slip, Maintenance Grounds

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Detached, Garage

ViewRiver

Waterfront TypeNavigable Water, Ocean Access, River Access, River Front

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecuritySmoke Detector(s)