13545 County Rd 13, St. Augustine, FL 32092
13545 County Rd 13 in St. Augustine is listed at $685,000 (1,564 sq ft, about $438 per sq ft). It came to market within the past week. Listing facts: built in 1942, waterfront, no HOA. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1942 · 84 yrs
- 1,564 sq ft of living area
- Listed at $685,000 — recent neighborhood median sale price ~$372,500 (nearby sales; deemed reliable, not an appraisal)
- New to market
- No HOA reported by the listing (confirm)
About this property
St. Johns River frontage with CHT commercial zoning and an existing residential use presents a distinctive opportunity in St. Augustine's historic Tocoi area.
Situated on a private cove with approximately 120 feet of direct river frontage, this beautifully maintained 3-bedroom, 2.5-bath property combines waterfront living with potential for future use, subject to applicable zoning and approvals. Boating amenities include two boat slips, one boat lift, and access to a shared boat ramp. Shared easements cover water, commercial septic, the ramp, and docks; supporting documents are available for review.
A metal roof, transferable termite bond, & available survey and elevation certificate add to the property's appeal. The home rests on a three-foot raised slab, with no flooding during current ownership or reported in the prior listing. River views from all three bedrooms, a first-floor primary suite, & inviting outdoor spaces make the property equally appealing for its current residential use.
Enjoy waterfront sunsets from the screened porch, open deck, or swing on the wraparound porch, surrounded by mature live oaks and Spanish moss. Improvements include a bathroom remodel and select kitchen appliances in 2024, a dock roof replacement, updated lighting, and new porch screens in 2023, HVAC and deck railings in 2020, and re-plumbing and a stove replacement in 2018. Fireplace tile and mantle updates 2026.
Space to accommodate a boat or RV further complements the waterfront setting. Explore the possibilities of this riverfront property, where an established residence, boating amenities, and commercial zoning come together in a peaceful St. Johns River location.
Inquire for zoning and shared-easement details.
All 48 photos
Description provided by MOMENTUM REALTY and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
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Property taxes
✓ Certified county tax rollProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the property sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), realMLS; millage: St. Johns County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this property by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
St. Johns County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for St. Johns County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this property. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This property’s history
- 1942BuiltPer public record
- About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (<span class="mw-dom" data-listed="2026-10-26" data-fmt="dom">listed Oct 26, 2026</span>)
- Oct 28, 2026First seen on movewithmomentum.comObserved at $685,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
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City, county & community guides
Where this property sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Data sources & freshness
| Listing record | realMLS, checked against the MLS hourly (last: October 28, 2026) |
| Comparable sales | realMLS closed sales within about 10 miles in St. Johns County, last 18 months, as of October 28, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
See 13545 COUNTY RD 13 in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and Brooke Hewitt, the listing agent, will follow up.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the propertystead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
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MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
