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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 Vilano Beach, St. Augustine — a new construction home in St. Johns County.

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Active

Active·4 days on market·Vilano Beach

303 Twelfth Street

St. Augustine, FL 32084

$1,100,000Est. $6,045/mo mortgageMLS# 2169946
0
Beds
3.5
Baths
0
Sq Ft
2026
Built
1
Garage
Yes
Pool

16 more homes for sale in Vilano Beach →Search Vilano Beach on the map

FEMA Zone AENo HOA9,583 sqft lotSingle Family Residence2 storiesNew construction

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Vilano Beach

New Construction Pool Home, 1 Block to Ocean, No HOA! Construction is nearing completion for end of year move-in, home next door is already under contract, secure your coastal retreat or vacation home before construction is complete. Featuring 1800sqft of living space, 4 beds, 3.5 baths, one-car garage, saltwater pool, LVP flooring throughout, Hardie siding exterior, and impact resistant windows. Walkable to the beach and minutes from historic St. Augustine, dining, and entertainment. Perfect for both full-time living or short-term rental opportunities, this prime location delivers both relaxation and strong investment potential. 2-10 Builders Home Warranty included with purchase. ***Pictures of previously completed home, finishes will vary.***

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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.

Principal & interest20% down · 7.32% · 30yr$6,045
Property taxesest. at asking price, St. Johns County$1,464
Estimated total, before insurance$7,509/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,256/yr · $355/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

$1,100,000
$220,000
Loan Term
Monthly Payment
$6,045
Principal & Interest: $6,045
Property taxes (est.): $1,464
Insurance (est.): $733
Estimated Total Monthly
$8,242
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 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 2026)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,816 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 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,256/yr

Estimated taxes if purchased at asking price: ~$17,600/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

  • Oct 19, 2026Listed$1,100,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
404 Fourteenth Street, St. Augustine, FL 32084Listed by THE NEWCOMER GROUPSep 2026$712,500$4063/2.51,7531340.1
225 Twentieth Street, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$862,500$4534/21,903870.4
405 Fifth Street, Vilano Beach, FL 32084Listed by ONE SOTHEBY'S INTERNATIONAL REALTYAug 2026$730,000$3653/22,000110.4
502 Twenty-First Street, St. Augustine, FL 32084Listed by COMPASS FLORIDA LLCJun 2026$820,000$3235/3.52,542310.4
301 Twenty-Second Street, St. Augustine, FL 32084Listed by DEKAY COASTAL PROPERTIESAug 2026$685,000$3173/22,158840.5
501 Twenty-First Street, St. Augustine, FL 32084Listed by MAXREV, LLCJul 2026$520,000$4193/21,240540.5

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$1,100,000
Bedrooms0
Bathrooms3.50
Full Baths3
Half Baths1
Acres0.22 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUnder Construction
StatusActive
# of Garages1
Has PoolYes
Pool FeaturesIn Ground, Salt Water
Is WaterfrontNo
New ConstructionYes

School Information

Zoned elementaryKetterlinus Elementary School
Zoned middleSebastian Middle School
Zoned highSt. Augustine High School
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address303 Twelfth Street, St. Augustine, FL 32084
Area266-Vilano Beach
SubdivisionNorth Beach
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size9,583.2 sq ft
Lot Dimensions50' x 100'
Parcel Number1459070010
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected
SewerPublic Sewer
Water SourceWell
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Exterior FeaturesImpact Windows
Patio / PorchCovered, Rear Porch
FencingBack Yard
RoofShingle
ConstructionFiber Cement

Additional Information

Date ListedOctober 19, 2026
Days on Market0
Tax Amount$4,256.31
Tax Year2025
Listing TermsCash, Conventional, Other
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: LINWARD REALTY, LLC

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 Vilano Beach

Vilano Beach is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

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Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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