This home is in Nelmar Terrace, St. Augustine — a home near St. Augustine High School.
Active·Listed today·Nelmar Terrace
4 Nelmar Avenue
St. Augustine, FL 32084
3 more homes for sale in Nelmar Terrace →Search Nelmar Terrace on the map
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About this home
Nelmar Terrace
Currently operating as a 5-star Airbnb, this beautifully updated & renovated home is located in highly desirable Nelmar Terrace & has never flooded. Sun-filled living spaces feature brand-new LVP flooring throughout, creating a fresh, inviting feel. The chef-inspired kitchen opens seamlessly to the living & dining areas & offers abundant cabinet & counter space, & stainless-steel appliances. The oversized owner's suite features a spacious sitting area, home office or gym. Both bathrooms have been recently renovated & feature large, step-in showers. A well-appointed guest bedroom is conveniently located across from the updated second bath. Notable upgrades include a NEW ROOF installed 6/26/25 w/ transferable warranty, updated electrical service w/ buried lines, & a dedicated interior laundry area. The extra-large detached two-car garage is a rare find & includes its own electrical sub-panel, providing exceptional storage & vesitile work space. This turnkey property offers style, flexi
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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).
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Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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: Shingle — year not disclosed (home built 1973)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,372 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of October 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $370,306 | $370,306 | — |
| 2025 | $276,924 | $69,307 | — |
| 2024 | $363,020 | $363,020 | — |
| 2024 | $309,741 | $66,506 | ▲ $53,254 |
| 2023 | $362,416 | $340,383 | — |
| 2023 | $264,249 | $62,967 | — |
| 2022 | $309,439 | $309,439 | — |
| 2022 | $254,858 | $64,532 | — |
| 2021 | $197,886 | $197,886 | — |
| 2021 | $193,049 | $61,197 | — |
| 2020 | $194,399 | $194,399 | — |
| 2020 | $181,239 | $59,662 | ▲ $9,746 |
2025 property taxes (current owner): $1,777/yr
Estimated taxes if purchased at asking price: ~$9,400/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
Price & status history
- Oct 7, 2026Listed$589,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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 Nelmar Terrace
Nelmar Terrace is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.
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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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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines