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 North Beach, St. Augustine — a pool home in St. Johns County.

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Active

Active·1 day on market·North Beach

404 Seventeenth Street

St. Augustine, FL 32084

$849,000$490/sqftEst. $4,365/moMLS# 2162347

Beds

Baths

1,734

Sq Ft

1979

Built

Garage

Yes

Pool

About this home

North Beach

Live the North Beach lifestyle in St. Augustine! Just 2 blks from the beach and 2 blks from the Intracoastal, this 3BR/2BA pool home offers the perfect blend of coastal living, privacy and convenience. Set on a beautifully landscaped corner lot, the 1,734 SF home features an inviting open floor plan with tile flooring throughout and fresh interior paint. The kitchen offers quartz countertops, an island, shaker-style cabinets, stainless appliances, gas range and canned lighting. Step outside to your private, fully-fenced backyard retreat featuring a screened sparkling heated pool with automatic chlorinator and covered patio area--perfect for year-round Florida living and entertaining. Built in 1979 and thoughtfully updated, this home combines established neighborhood charm with today's comfortable style. Just 2 miles to the Vilano Beach Town Center and approximately 5 miles to historic downtown St. Augustine. Beach, boating, pool and downtown---it's all within easy reach! Call now!

Cost to own

Mortgage calculator

Home Price

$849,000

Down Payment: 20%

$169,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,365

Principal & Interest: $4,365

Property taxes (est.): $1,130

Insurance (est.): $566

Estimated Total Monthly

$6,060

*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$4,365

Property taxesest. at asking price, St. Johns County$1,130

Estimated total, before insurance$5,494/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,469/yr · $706/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): $8,469/yr

Estimated taxes if purchased at asking price: ~$13,600/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.

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: Shingle — year not disclosed (home built 1979)

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

Sewer records conflict — verify

The MLS lists “Public Sewer, Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,798 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

Price & status history

Aug 28, 2026Listed$849,000

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

Features

Price$849,000

Price / Sq Ft$490

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,734

Acres0.22 acres

Year Built1979

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Pool Cover, Screen Enclosure

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address404 Seventeenth Street, St. Augustine, FL 32084

Area266-Vilano Beach

SubdivisionNorth Beach

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size9,583.2 sq ft

Lot Dimensions100 x 100

Parcel Number1460050020

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer, Septic Tank

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Gas Range, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)