Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Biera Mar, St. Augustine — an oceanfront home in Northeast Florida.

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Active

Active·1 day on market·Biera Mar

5042 Atlantic

St. Augustine, FL 32080

$2,790,000$632/sqftEst. $14,775/moMLS# 2165749

Beds

Baths

4,417

Sq Ft

1990

Built

Garage

Yes

Pool

FEMA Zone XNo HOA7,405 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Biera Mar

At 5042 Atlantic View, the ocean isn't just something you see in the distance. You hear it, smell it, and feel it throughout the day. Mornings start with sunrise over the Atlantic, afternoons come with a cool ocean breeze, and one of the quietest parts of the beach is just steps away. With more than 4,500 square feet of living space, the home has the size and layout to comfortably accommodate a large family, multiple generations under one roof, or guests coming and going throughout the year. The ground level includes three guest bedrooms, two full baths, a secondary kitchen, and a massive 22' x 20' hobby room lined with cabinetry.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$14,775

Property taxesest. at asking price, St. Johns County$3,713

Estimated total, before insurance$18,487/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,030/yr · $836/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).

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$2,790,000

Down Payment: 20%

$558,000

Interest Rate: 6.95%

Loan Term

Monthly Payment

$14,775

Principal & Interest: $14,775

Property taxes (est.): $3,713

Insurance (est.): $1,860

Estimated Total Monthly

$20,347

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1990)

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

Septic system (public record) · Public water · St Johns County Utilities - water accounts

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: ~1,832 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $10,030/yr

Estimated taxes if purchased at asking price: ~$44,600/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 21, 2026Listed$2,790,000

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

Features

Price$2,790,000

Price / Sq Ft$632

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage4,417

Acres0.17 acres

Year Built1990

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced

Is WaterfrontYes

Direction FacesEast

Community Information

Address5042 Atlantic, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionBiera Mar

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Lot Size7,405.2 sq ft

Parcel Number1762400000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingAttached, Garage

ViewBeach, Ocean, Water

Waterfront TypeOcean Access, Ocean Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

Exterior

Exterior FeaturesBalcony

Patio / PorchDeck, Patio

ConstructionConcrete, Frame

Additional Information

Date ListedSeptember 21, 2026

Days on Market0

Tax Amount$10,030.28

Tax Year2025

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: ENDLESS SUMMER REALTY · kevin@endlesssummerrealty.com

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Biera Mar

Biera Mar is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32080.

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Your Local Realtor

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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