This home is in Nelmar Terrace, St. Augustine — a home near St. Augustine High School.
Active·49 days on market·Nelmar Terrace
4 E San Carlos Avenue
St. Augustine, FL 32084
3 more homes for sale in Nelmar Terrace →Search Nelmar Terrace on the map
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About this home
Nelmar Terrace
A distinctive St. Augustine home with the space, character, and location to experience the city in a way that few properties can offer. Located in the sought-after Uptown/Nelmar Terrace area, 4 E San Carlos Ave combines coastal-inspired architecture, mature oak trees draped in Spanish moss, multiple outdoor living spaces, and an exceptional location near historic St. Augustine and the breathtaking beach. From the welcoming covered front porch and mature landscape to the private pavered courtyard, this home makes an immediate impression. Inside, the 4-bedroom, 3.5-bath layout offers 2,772 square feet of thoughtfully designed living space, including a spacious bonus/game room, separate cozy office, and open living areas designed for both everyday life and entertaining. The heart of the home is the bright, open kitchen featuring white cabinetry, quartz countertops, stainless-steel appliances, glass-tile backsplash, a large island, and a walk-in pantry. The kitchen opens
Next steps in Nelmar Terrace
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Metal — year not disclosed (home built 2017)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,692 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Vilano Beach oceanfront7 min drive · 37 parking spaces
Closest park or preserve
Anastasia State Park12 min drive · 0.7 mi of trails
Closest public boat ramp
Vilano Public Boat Rampabout 0.7 mi · Tolomato River / St. Augustine Inlet
Closest kayak & paddleboard launch
Vilano Causeway Primitive Accessabout 0.4 mi · Hospital Creek
Closest youth league fields
Ketterlinus Gym Community Center5 min drive · Basketball
Closest grocery store
Winn-Dixie5 min drive · 3551 N Ponce De Leon Blvd, St Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $14,616/yr
Estimated taxes if purchased at asking price: ~$16,800/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.
History
Price & status history
- Sep 3, 2026Listed$1,050,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $427/sq ft; this home is listed at $379/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 17 Sylvan Drive, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY | Jul 2026 | $1,075,000 | $329 | 4/3.5 | 3,271 | 48 | 0.5 |
| 70 Water Street, St. Augustine, FL 32084Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $1,835,000 | $601 | 3/3 | 3,053 | 72 | 0.6 |
| 16 Locust Street, St. Augustine, FL 32084Listed by THE NEWCOMER GROUP | Jun 2026 | $1,148,000 | $583 | 4/4 | 1,970 | 40 | 0.6 |
| 40 N St Augustine Boulevard, St. Augustine, FL 32080Listed by SAVVY AVENUE, LLC. | Aug 2026 | $830,000 | $427 | 3/2 | 1,946 | 95 | 1.3 |
| 40 Windsor Lane, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Aug 2026 | $351,000 | $159 | 4/2.5 | 2,202 | 70 | 1.4 |
| 66 Weeden Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Aug 2026 | $660,000 | $315 | 2/2 | 2,098 | 0 | 1.6 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CROSSVIEW REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Nelmar Terrace
Nelmar Terrace is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.
View all Nelmar Terrace homes for sale →Keep looking
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Krista Fracke
Broker Associate
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