This home is in North Beach, St. Augustine.
Active·Listed today·North Beach
402 3rd Street
St. Augustine, FL 32084
About this home
North Beach
NEW ROOF + REMODELED VILANO BEACH BUNGALOW -- JUST 2 BLOCKS TO THE BEACH & RIVER! Live the Vilano Beach lifestyle in this turnkey 4-bedroom coastal retreat, ideally located just two blocks from the Atlantic Ocean and two blocks from the Tolomato River. Walk to the beach for a morning in the surf, then head to the river for spectacular sunset views. Vilano Beach restaurants, shopping and the pier are nearby, while Historic Downtown St. Augustine is just minutes away. Inside, the home has been beautifully remodeled with a bright coastal aesthetic, professionally styled interiors and an open, functional layout designed for easy everyday living, entertaining and hosting guests. One of the home's most unique features is the converted garage GAME ROOM--a flexible bonus space complete with an indoor putting green, ping pong, arcade games, lounge area and turf flooring.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $779,599 | $779,599 | — |
| 2024 | $766,837 | $766,837 | — |
| 2023 | $723,145 | $366,731 | — |
| 2022 | $627,442 | $353,137 | — |
| 2021 | $477,750 | $339,939 | — |
| 2020 | $471,926 | $333,865 | — |
2025 property taxes (current owner): $10,122/yr
Estimated taxes if purchased at asking price: ~$12,800/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 (2025), NEFMLS.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1976)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,579 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 homeThis 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 14, 2026Listed$799,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About North Beach
North Beach is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32084.
View all North Beach homes for sale →Listing Courtesy of: COMPASS FLORIDA LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in North Beach
Active$799,900MLS# 2131977Est. $4,257/mo402 3rd Street, St. Augustine, FL 320844 Beds2.5 Baths1,794 sqftNEW ROOF! Turnkey, remodeled 4-bedroom beach bungalow located just blocks from both the Atlantic Ocean and the Tolomato…
ResidentialCOMPASS FLORIDA LLC
Active$849,000MLS# 2162347Est. $4,519/mo404 Seventeenth Street, St. Augustine, FL 320843 Beds2 Baths1,734 sqftLive the North Beach lifestyle in St. Augustine! Just 2 blks from the beach and 2 blks from the Intracoastal, this…
ResidentialRE/MAX UNLIMITED
Active Under Contract$720,000MLS# 2142049Est. $3,832/mo404 Fourteenth Street, St. Augustine, FL 320843 Beds2.5 Baths1,753 sqftTurnkey living in the heart of Vilano Beach on an oversized corner lot at Palm Street and Fourteenth Street, this well…
ResidentialTHE NEWCOMER GROUP
Active Under Contract$895,000MLS# 2148227Est. $4,764/mo225 Twentieth Street, St. Augustine, FL 320844 Beds2 Baths1,903 sqftOPEN HOUSE & NEW PRICE Saturday August 22, 1-3pm! Now is your chance to experience the best of coastal living in this…
ResidentialBERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Keep looking
Similar homes in St. Augustine
Explore the area
More in North Beach
North Beach guides & reports
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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines