This home is in Nelmar Terrace, St. Augustine — a home near St. Augustine High School.
Active·Listed today·Nelmar Terrace
4 E San Carlos Avenue
St. Augustine, FL 32084
About this home
Nelmar Terrace
A distinctive St. Augustine home in a location that lets you experience the city--not simply live near it. Set in the sought-after Uptown/Nelmar Terrace area, 4 E San Carlos Ave captures the character that makes St. Augustine so desirable: mature oaks draped in Spanish moss, palms, charming architecture, and the ability to move easily between the historic city, local dining and shops, waterfront activities, and the beaches beyond. From the street, the home's coastal-inspired architecture, metal roof, welcoming covered front porch, and mature landscape immediately set it apart. Inside, the home offers four bedrooms, three-and-a-half baths, and a spacious bonus/game room, creating a versatile layout for full-time living, welcoming family and friends, or simply enjoying a home with room to spread out. The main living spaces are bright and inviting, with an open-concept design connecting the living room and beautifully appointed kitchen. White cabinetry, quartz-style countertops
Cost to own
Mortgage calculator
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).
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.
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.
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.
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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Nelmar Terrace
Nelmar Terrace is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32084.
View all Nelmar Terrace homes for sale →Listing Courtesy of: CROSSVIEW REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines