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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 Biera Mar, St. Augustine — a home near Pedro Menendez High School.

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Active

$1,395,0003 bd · 2.5 ba · 1,524 sq ft

Active·1 day on market·Biera Mar

4999 Atlantic

St. Augustine, FL 32080

$1,395,000$915/sqftEst. $7,560/mo mortgageMLS# 2173609
Open house Sun, Nov 15 · 1:30 pm–4:00 pm
3
Beds
2.5
Baths
1,524
Sq Ft
1973
Built
—
Garage
Yes
Pool

6 more homes for sale in Biera Mar →Search Biera Mar on the map

FEMA Zone XNo HOA7,405 sqft lotSingle Family Residence2 stories

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

About this home

Biera Mar

OPEN HOUSE SUNDAY NOVEMBER 15TH FROM 1:30-4:00!!! With beach access directly across the street, second-floor ocean views, and a private heated saltwater pool and spa, this Biera Mar home offers everything you'd want in a coastal getaway. Fully furnished and beautifully renovated, the 3-bedroom, 2.5-bath retreat pairs its vacation appeal with an impressive rental history, generating approximately $160,000 in annual gross rental revenue for three consecutive years and earning a 4.99-star Airbnb rating with more than 170 reviews. Located on a large corner lot, the home offers easy access to one of the best beaches in town while the 50-foot-wide county easement creates an unobstructed view toward the ocean. Spend your mornings at the beach and your afternoons relaxing by the heated saltwater pool and spa, surrounded by beautiful landscaping and low-maintenance artificial turf. An outdoor shower makes rinsing off after the beach a breeze, while the fully fenced backyard provides privacy.

Next steps in Biera Mar

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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 · 7.18% · 30yr$7,560
Property taxesest. at asking price, St. Johns County$1,827
Estimated total, before insurance$9,387/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,777/yr · $898/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

$1,395,000
$279,000
Loan Term
Monthly Payment
$7,560
Principal & Interest: $7,560
Property taxes (est.): $1,827
Insurance (est.): $930
Estimated Total Monthly
$10,317
*30-year loan at 7.18% APR (avg 30-yr rate 2026-11-05, 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: Metal — year not disclosed (home built 1973)

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

Solar potential: ~1,707 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.

As of November 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 6:49 AM, sunset 5:30 PM.

  • A pool back here is the warmest in town and glitters in the evening.
  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2026$755,340$755,340—
2026$901,176$901,176▼ $44,520
2024$666,579$666,579—
2024$410,000$225,960—
2023$634,912$584,912—
2023$340,000$205,419—
2022$613,686$613,686—
2022$225,000$186,745—
2021$404,025$404,025—
2021$185,000$169,769—
2020$386,905$386,905—
2020$185,000$154,336—

2025 property taxes (current owner): $10,777/yr

Estimated taxes if purchased at asking price: ~$21,900/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 1,526 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 (2026), NEFMLS.

History

Price & status history

  • Nov 13, 2026Listed$1,395,000

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 $915/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
40 E Magnolia Avenue, St. Augustine, FL 32080Listed by THE NEWCOMER GROUPAug 2026$1,067,500$5854/31,8241130.1
640 Casa Fuerta Lane, St. Augustine, FL 32080Listed by RE/MAX UNLIMITEDNov 2026$550,000$3343/21,64880.4
284 San Nicolas Way, St. Augustine, FL 32080Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$550,000$2963/21,8581810.5
5324 2nd Street, St. Augustine, FL 32080Listed by ENGEL & VOLKERS ST AUGUSTINEMay 2026$589,000$3933/21,500160.5
136 Island Cottage Way, St. Augustine, FL 32080Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINENov 2026$700,000$3813/21,838690.6
5401 Pelican Way, St. Augustine, FL 32080Listed by COMPASS FLORIDA LLCOct 2026$1,100,000$6513/31,69120.6

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$1,395,000
Price / Sq Ft$915
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,524
Acres0.17 acres
Year Built1973
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
Has PoolYes
Pool FeaturesIn Ground, Heated, Salt Water
Is WaterfrontNo
Direction FacesEast

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 elementaryW. D. Hartley
Reported middleGamble Rogers
Reported highPedro Menendez
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address4999 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 Number1763500000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOff Street, RV Access/Parking
ViewBeach, Ocean, Water

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Primary Bathroom - Shower No Tub, Primary Downstairs
AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringLaminate, Tile
# of Stories2
LevelsTwo

Exterior

Exterior FeaturesBalcony
Lot DescriptionCorner Lot
Patio / PorchPatio
FencingBack Yard, Privacy
RoofMetal
ConstructionConcrete, Frame, Stucco

Additional Information

Date ListedNovember 13, 2026
Days on Market1
Tax Amount$10,777.43
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ENDLESS SUMMER REALTY

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. Augustine, FL (St. Johns County), ZIP 32080.

View all Biera Mar homes for sale →
Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

11/15/2026

1:30 pm - 4:00 pm