22 Comares Avenue 1C

St. Augustine, FL 32080

$159,000$234/sqftEst. $822/moMLS# 2164209

Beds

Baths

680

Sq Ft

1966

Built

—

Garage

Pool

About this home

St. Augustine

Excellent opportunity waits for this updated move in condo. Seller is highly motivated due to health reasons and seeking a hassle-free transaction. This condo's located is ideally situated within walking distance to historic downtown St. Augustine and minutes from the beaches, State Parks and Flagler College. This charming unit features durable title flooring throughout has been updated with new roof, new water heater, updated appliances, regular maintenance AC. This unit is on the first and a corner unit and never flooded. This clean and well-maintained unit offers outstanding potential as income producing investment, Airbnb, Primary residence or vacation getaway. Airbnb rentals are permitted making an excellent opportunity for short term rental income. This unit has been a successful rental property for over 13 years. This condo is being sold AS IS. With recent comparable sales in the area reaching up to $197,000, this is an excellent opportunity to own an affordable condo.

Cost to own

Mortgage calculator

Home Price

$159,000

Down Payment: 20%

$31,800

Interest Rate: 6.71%

Loan Term

Monthly Payment

$822

Principal & Interest: $822

Property taxes (est.): $212

Insurance (est.): $106

Estimated Total Monthly

$1,139

*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$822

Property taxesest. at asking price, St. Johns County$212

HOAbilled monthly$442

Estimated total, before insurance$1,475/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,848/yr · $237/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

Year	Market value	Taxable value	Change
2025	$162,750	$133,930	—
2024	$162,750	$121,755	—
2023	$162,750	$110,686	—
2022	$122,000	$100,624	—
2021	$105,000	$91,476	—
2020	$103,000	$83,160	—

2025 property taxes (current owner): $2,848/yr

Estimated taxes if purchased at asking price: ~$2,500/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 (2025), NEFMLS.

History