21 Saragossa Street, St. Augustine, FL 32084
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
21 SARAGOSSA Street in Model Land Comp, St. Augustine is listed at $1,050,000 (1,746 sq ft, about $601 per sq ft). That is 38% above Model Land Comp's median closed sale of $760,000 over the last 12 months (3 recorded sales). Per square foot it is above the community's recent $493/sq ft by about 22%. It came to market within the past week. Listing facts: built in 1935, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- Built 1935 · 91 yrs
- 1,746 sq ft of living area
- Listed at $1,050,000 — recent neighborhood median sale price ~$760,000 (nearby sales; deemed reliable, not an appraisal)
- New to market
- No HOA reported by the listing (confirm)
About this home
There's something special about living in a place where your favorite coffee shop, dinner reservations, live music, and evening walks along the waterfront are all just a few blocks from your front door. Welcome to 21 Saragossa Street, a beautifully updated historic residence in the heart of downtown St. Augustine, where the charm of a 1935 home meets the convenience and comfort of modern living.
Situated along one of downtown's most recognizable residential streets, this 4-bedroom, 3-bathroom home offers the opportunity to enjoy an authentic St. Augustine lifestyle without sacrificing space, functionality, or modern amenities. From the moment you arrive, the expansive covered front porch sets the tone.
It's the kind of space that encourages you to slow down, enjoy your morning coffee, catch up with neighbors, or relax after a day exploring the city. Inside, you'll find a wonderful combination of original architectural character and thoughtfully executed improvements. Large windows bring an abundance of natural light into the home, while generous living areas provide comfortable spaces for everyday living and entertaining.
Original pocket doors remain in place, offering a subtle reminder of the home's history while allowing flexibility between the living room and kitchen. Significant renovations completed in 2020 and 2021 enhanced both the appearance and functionality of the property, including impact-resistant windows, updated electrical, improvements to multiple bathrooms, and the creation of a spacious primary suite featuring walk-in closets and a beautifully finished private bathroom. The kitchen is a standout, offering an impressive combination of quality finishes and practical design with Thomasville cabinetry, a Wolf gas range, Cove dishwasher, custom tile details, and ample storage.
A commercial-grade Maytag washer and dryer adds everyday convenience. Upstairs, the primary suite and additional bedrooms provide comfortable accommodations for family and guests, while the home's overall layout offers the flexibility to accommodate a variety of lifestyles. Just beyond the dining room, a 200+ square-foot deck extends the living space outdoors, creating an inviting setting for weekend gatherings, outdoor dining, or simply enjoying the Florida sunshine.
And while the home itself offers plenty to appreciate, the location is what truly completes the experience. Spend your mornings exploring local shops and cafes, afternoons enjoying the historic district, and evenings walking to some of St. Augustine's most popular restaurants and entertainment.
With the property being offered fully furnished and turnkey, the next owner can begin enjoying everything this incredible location has to offer from day one. Whether you're searching for a primary residence, a second home, or a potential investment property, 21 Saragossa Street delivers a wonderful blend of history, modern comfort, and the downtown lifestyle that continues to make St. Augustine such a special place to call home.
All 66 photos
Description provided by THE NEWCOMER GROUP and reproduced from the MLS; not independently verified.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Strong local evidence — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market); a local size, age, bed and bath model fit on 60 nearby closed sales; the St. Johns County 2025 tax roll just value ($713,924) × the local sale-to-roll ratio of 40 nearby sales.
Track record: across 2,820 recent closed sales we scored, the closed price landed inside the Messtimate range 64% of the time; median miss 9.0% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-12.
Actual list price: $1,050,000 ($601/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 50% spread on the same house — here is what a model can't see:
- Condition & updates — a 1935 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
- Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- This home: listed Nov 11, 2026 on market vs. a 254-day community median
- 249 active listings competing, 111 under contract
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + a local hedonic fit (60 sales) + tax-roll just value × local sale-to-roll ratio (40 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 12, 2026.
Comparable recent sales
6 closed sales within about 3 miles, on the same side of the St. Johns River in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $760,000 ($493/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $5,690/mo 77%
- Taxes $1,123/mo 15%
- Insurance $570/mo 8%
$7,383/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
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.
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
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 home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 21 Saragossa Street
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $9,625/yr (certified county roll, taxable value × millage). Buy at the asking price of $1,050,000 and the first-year bill resets to about $13,475/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 13.47 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | The listing states there is no HOA. |
| Home and flood insurance | The average Citizens Property Insurance premium in Saint Johns County is $1,378/yr (977 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $5,000–$10,000/yr; neither is a quote. |
| Roof and age | Built in 1935. An original roof would be about 91 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $1,238/month (tax $1,123, insurance $115). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
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.
County hazard risk ratings (FEMA National Risk Index, county level)
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 — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. 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.
Pricing & the Model Land Comp market
How this home is priced against recent nearby sales, and where Model Land Comp has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 1935BuiltPer public record
- About Nov 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Nov 11, 2026)
- Nov 12, 2026First seen on our siteObserved at $1,050,000
- 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
Momentum Property Score
36/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $601 per square foot, about 22% above the community’s $493 median. Model Land Comp’s 12-month median sold price per square foot is $493. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by THE NEWCOMER GROUP · MLS # 2173481
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Similar homes for sale near Model Land Comp
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Model Land Comp
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- 958 Rustic Mill Drive · $389,000 · 2 bd / 2.0 ba · listed November 12, 2026 (courtesy of BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY)
- 156 Lone Cypress Way · $699,500 · 3 bd / 3.0 ba · listed November 12, 2026 (courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS)
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More on Model Land Comp
Go deeper on Model Land Comp
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home 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.
View →What homes sell for in 32084 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 21 SARAGOSSA Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1935 (91 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 1,746 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $13,475/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,850 more per year than the current owner’s estimated bill (+40%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | realMLS, checked against the MLS hourly (last: November 12, 2026) |
| Comparable sales | realMLS closed sales within about 3 miles, on the same side of the St. Johns River, last 18 months, as of November 12, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| 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.
Frequently asked questions
How big is 21 SARAGOSSA Street and when was it built?
Per the listing record, 21 SARAGOSSA Street was built in 1935 and has 1,746 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 21 SARAGOSSA Street in?
21 SARAGOSSA Street is in Model Land Comp in St. Augustine, St. Johns County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 21 SARAGOSSA Street have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 21 SARAGOSSA Street differ from the current owner's?
The estimate on this page (about $13,475 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,850 more per year than the current owner’s estimated bill (+40%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 21 SARAGOSSA Street in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 21 SARAGOSSA Street in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
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.
Estimates, methodology & disclaimers
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 homestead 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.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.