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This home is in St. Augustine.

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Active·5 days on market

450 S Volusia Street

St. Augustine, FL 32084

$265,000$240/sqftEst. $1,369/moMLS# 2163613

Beds

Baths

1,104

Sq Ft

1971

Built

—

Garage

Pool

About this home

St. Augustine

Come live your best life at this almost new home in central St. Augustine! Enjoy the peace of mind from the new floors to the new roof, this home has most everything brand new. The gorgeous chef's kitchen is the heart of the home with stone countertops and stainless steel appliances. The open floor plan from the kitchen to the charming family room and the breakfast nook creates a flow for everyday living. The luxury vinyl flooring throughout provides seamless continuity with an antiallergenic benefit. The master suite has a luxurious bathroom with barn doors and upscale tile. With new vanities, both bathrooms exude style and a clean aesthetic. If you are looking for a low maintenance home where easy living is the goal, look no further than this one of a kind home. With extra parking for your RV, or work truck, this no HOA home provides all of the freedom and none of the headaches. Don't miss this one!

Cost to own

Mortgage calculator

Home Price

$265,000

Down Payment: 20%

$53,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,369

Principal & Interest: $1,369

Property taxes (est.): $353

Insurance (est.): $177

Estimated Total Monthly

$1,899

*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$1,369

Property taxesest. at asking price, St. Johns County$353

Estimated total, before insurance$1,722/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,184/yr · $182/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): $2,184/yr

Estimated taxes if purchased at asking price: ~$4,200/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 1971)

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

Likely septic · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,663 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