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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St. Augustine Beach.

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Active·Listed today

5395 5th Street

St. Augustine Beach, FL 32080

$695,000$377/sqftEst. $3,610/moMLS# 2164801
3
Beds
2
Baths
1,844
Sq Ft
1998
Built
2
Garage
No
Pool

About this home

St. Augustine Beach

Coastal Oasis with Hot Tub, Dual Patios, & Fire Pit, Walk to Beach & Intracoastal! Welcome to your ultimate St. Augustine getaway at 5395 5th Street! Perfectly situated between the Atlantic ocean and the serene Intracoastal, this stunning home is designed for relaxation, entertainment, and endless sun. Enjoy your morning coffee on the front screened patio and kick back in the evenings on the rear screened patio,totally protected and stress-free. The outdoor living space is a true highlight: soak in the private hot tub, dine alfresco under the stars, or gather around the fire pit for cozy nights. With no HOA restrictions, you get maximum flexibility and total privacy, all just a short stroll from water on both sides. Live the coastal dream or invest in a premier coastal sanctuary!

Cost to own

Mortgage calculator

$695,000
$139,000
Loan Term
Monthly Payment
$3,610
Principal & Interest: $3,610
Property taxes (est.): $925
Insurance (est.): $463
Estimated Total Monthly
$4,998
*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$3,610
Property taxesest. at asking price, St. Johns County$925
Estimated total, before insurance$4,535/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,027/yr · $669/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): $8,027/yr

Estimated taxes if purchased at asking price: ~$11,100/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 14, 2026Listed$695,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$695,000
Price / Sq Ft$377
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,844
Acres0.21 acres
Year Built1998
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address5395 5th Street, St. Augustine Beach, FL 32080
Area331-St Augustine Beach
SubdivisionWindswept Acres
CitySt. Augustine Beach
CountySt. Johns
StateFL
Zip Code32080
Lot Size9,147.6 sq ft
Parcel Number1827360020

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Available
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Jack and Jill Bath, Open Floorplan, Pantry, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories1
LevelsOne
LaundryIn Unit

Additional Information

Date ListedSeptember 14, 2026
Days on Market0
Tax Amount$8,026.72
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MAXREV, LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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