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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 — a pool home in St. Johns County.

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Active

Active·1 day on market

8090 A1A S 503

St. Augustine, FL 32080

$939,000$604/sqftEst. $5,160/mo mortgageMLS# 2170838
3
Beds
2
Baths
1,554
Sq Ft
1985
Built
—
Garage
Yes
Pool
FEMA Zone XHOA $825/moWaterfrontCondominium1 story

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About this home

St. Augustine

Direct oceanfront, top-floor Sand Dollar IV condo with Intracoastal views out the back: sunrise and sunset from one home. Fully remodeled 3BR/2BA, 1,554 sq ft, freshly painted throughout in 2024, sold turnkey furnished. Custom kitchen cabinetry and built-in bookcases in the living room and primary suite, all in Sherwin-Williams Alabaster, with paneled refrigerator and dishwasher. Expanded primary bath with two custom vanities, Calacatta marble countertops and walk-in shower, where most units have one sink and a tub. New impact windows, hurricane-rated sliding glass doors and electric hurricane shutters. Living room, primary suite and balcony all face the ocean. In-unit laundry room, walk-in closet, private storage unit, elevator, covered parking. Amenities: oceanfront pool, tennis, pickleball, community room, private beach walkway. HOA $825/mo. Seasonal rentals allowed, 3-month minimum. Quiet Crescent Beach, about 20 minutes to historic downtown St. Augustine.

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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$5,160
Property taxesest. at asking price, St. Johns County$1,249
HOAbilled monthly$825
Estimated total, before insurance$7,235/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$939,000
$187,800
Loan Term
Monthly Payment
$5,160
Principal & Interest: $5,160
Property taxes (est.): $1,250
Insurance (est.): $626
Estimated Total Monthly
$7,036
*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 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 1985)

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

Solar potential: ~1,699 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.

History

Price & status history

  • Oct 25, 2026Listed$939,000

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. Their median is $393/sq ft; this home is listed at $604/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
8090 A1A S 304, St. Augustine, FL 32080Listed by TIMBER TO TIDES REALTY LLCOct 2025$795,000$5123/21,55470
8130 A1A S H7, St. Augustine, FL 32080Listed by WATSON REALTY CORPJul 2026$315,000$2622/1.51,202770.1
8130 A1A S S H18, St. Augustine, FL 32080Listed by WATSON REALTY CORPApr 2026$425,000$3542/1.51,2021240.1
8000 A1A 506, St. Augustine, FL 32080Listed by ANDERSON REALTYOct 2025$942,500$6063/21,5542040.1
8130 A1A S H12, St. Augustine, FL 32080Listed by WATSON REALTY CORPAug 2025$472,000$3932/2.51,2023460.1
8130 S A1A J18, St. Augustine, FL 32080Listed by FOUNDATION REAL ESTATE SERVICES INCMay 2025$418,000$3482/1.51,2022060.1

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$939,000
Price / Sq Ft$604
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,554
Total Structure Area1,554 sq ft
Year Built1985
TypeResidential
Sub-TypeCondominium
StatusActive
Has PoolYes
Pool FeaturesIn Ground, Fenced
Is WaterfrontYes

School Information

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

Address8090 A1A S 503, St. Augustine, FL 32080
Area332-Crescent Beach/Summer Haven
SubdivisionSand Dollar Iv
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32080
Parcel Number186194-0503

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage, Guest, Unassigned
Waterfront TypeOcean Front

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, ENERGY STAR Qualified Refrigerator, Ice Maker, Microwave, Tankless Water Heater, Washer
HeatingCentral, Hot Water
CoolingCentral Air
# of Stories1

Additional Information

Date ListedOctober 25, 2026
Days on Market1
HOA Fees$825 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SAVVY AVENUE, 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.

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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