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This home is in St Augustine Shores, St. Augustine — a golf course home in St. Johns County.

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Active

Active·5 days on market·St Augustine Shores

829 Rita Circle

St. Augustine, FL 32086

$449,900$257/sqftEst. $2,325/moMLS# 2163295

Beds

Baths

1,748

Sq Ft

1981

Built

Garage

Pool

About this home

St Augustine Shores

Updated, spacious, and tucked away on a cul-de-sac in The St. Augustine Shores! This 3-bedroom, 2-bath, one-story concrete block home offers 1,748 SF of living space PLUS approximately 300 SF of heated and cooled four-season Florida room--perfect for a home office, game room, entertaining space, or simply a great spot to relax and enjoy the view. The recently updated kitchen features solid wood cabinetry with soft-close hinges, quartz countertops, a tile backsplash, a pot filler, and stainless steel appliances. The big-ticket updates are already done, too, including a brand-new 2026 HVAC system, newer ductwork, re-piped with a 2020 water heater, water softener, and reverse osmosis system. The primary bathroom has also been refreshed with a sleek new double vanity. Inside, you'll find a mix of beautiful oak wood floors and luxury vinyl plank flooring throughout. Outside, the home sits on over a quarter-acre lot with a private preserve backyard

Cost to own

Mortgage calculator

Home Price

$449,900

Down Payment: 20%

$89,980

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,325

Principal & Interest: $2,325

Property taxes (est.): $599

Insurance (est.): $300

Estimated Total Monthly

$3,223

*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$2,325

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

HOAbilled monthly$34

Estimated total, before insurance$2,957/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,629/yr · $302/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): $3,629/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.

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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 1981)

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: ~1,749 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