FEMA Zone X — flood insurance generally not federally required
Built 1975 · 51 yrs
$531/sq ft — above the area median of $276
New to market
HOA ~$50/mo (estimate; confirm)
Listing facts & disclosures
$599,000
List price
As listed in the MLS
2 / 2
Bed / bath
Per the listing
1,129
Living area
Sq ft (approx.)
$531
Price / sq ft
List ÷ living area
The home
Year built1975
Per public record.
Lot sizeSee record
Approximate; verify with survey.
Property typeCondominium
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$5,151/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X
From the FEMA flood map; verify the parcel.
Ground elevation~20 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
Listing description
About this home
It's hard to decide what you'll love most...watching the sunrise over the Atlantic from your private balcony, falling asleep to the sound of the waves, or realizing that every day feels like you're on vacation. Whether you're searching for a full-time home, the perfect beach geta...
Description provided by ROUND TABLE REALTY and reproduced from the MLS; not independently verified.
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$3,928
Principal & interest$3,124
Property tax$429
Insurance$325
CDD assessment$0
HOA$50
PMI$0
Down payment $119,800 · Loan $479,200. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$5,151/yr
The seller likely pays less due to the homestead cap. At a $599,000 purchase, expect your first full-year St. Johns bill near $5,151 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$3,899/yr
Estimate for a 1975 build in St. Johns. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~20 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in St Augustine Beach & Tenn
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the St Augustine Beach & Tenn neighborhood guide for more.
Comparable sales found
2
Recent nearby closings in the data set.
Median sale price (set)
$334,950
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$276
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$531
List price divided by living area. Provided as data, not a value judgment.
Go deeper on St Augustine Beach & Tenn
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.
Pricing & market trend in St Augustine Beach & Tenn
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
Recent sold prices in this community
The Messtimate™
The Messtimate: $249,509 – $373,699
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. That’s the whole point: look how wide it is.
$249,509the mess$373,699
A 50% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or dated interior can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 3 days on market vs. a ~106-day neighborhood median
4 active listings competing in St Augustine Beach & Tenn
0% of for-sale inventory is already under contract (demand signal)
pending-to-active ratio 0.0 (higher = faster-selling demand)
≈3.0 months of supply (under ~4 favors sellers, over ~6 favors buyers)
16 closed here in the last 12 months
For reference, this home is listed at $599,000 ($531/sq ft) — a number set with analysis a Messtimate can't do.
Want a number you can actually price or offer on? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,129 sq ft × $221–$331/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 1, 2026.
In the area
Recent St. Augustine Beach news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Retail Dining
The Floridian opens new custom-built restaurant near A1A Beach Boulevard
The Floridian opened its new custom-designed restaurant at 485 Old Beach Road, on the corner of A1A Beach Boulevard near State Road 312, in early June. The roughly 4,000-square-foot Old Florida coastal-cottage-style building seats about 120 with indoor and outdoor dining, a private dining space, full bar and free parking, after the restaurant closed its longtime downtown St. Augustine location in 2025.
Why it matters: A new purpose-built restaurant at a key A1A Beach Boulevard intersection may add to the dining draw anchoring the beach commercial corridor.
St. Johns County Ocean and Fishing Pier closes for major piling repairs
The St. Johns County Ocean and Fishing Pier at 350 A1A Beach Blvd. temporarily closed beginning May 13 for a construction project to repair and strengthen the pier pilings, with completion anticipated by the end of November 2026. The adjacent Splash Park and beach access remain open, though visitors face minor parking impacts near the pavilion and the northern beach access point is closed for the project.
Why it matters: Investment in the pier's structural longevity supports a central beach amenity, though the multi-month closure may temporarily affect visitor access patterns at the pier park.
St. Augustine Beach adopts FY 2026 budget and 2.5-mill operating rate
The St. Augustine Beach City Commission set its FY 2026 operating millage rate at 2.5000 mills, which is 5.60% above the rolled-back rate of 2.3675 mills, plus a voted debt service millage of 0.0841. The rate and the FY 2026 budget were adopted through Ordinances 25-09 and 25-10.
Why it matters: City millage and budget decisions shape the resources available for local infrastructure and beach-area services, which can factor into long-run property carrying costs.
St. Augustine Beach Shore Protection Project paused over easement requirement
St. Johns County held a community meeting on May 14 about perpetual easements tied to the federal St. Augustine Beach Shore Protection Project, a 50-year commitment to restore and monitor the eroded shoreline between Anastasia State Park and Ocean Hammock Park. The project is currently paused due to a new U.S. Army Corps of Engineers requirement for 100% perpetual easements and waivers from property owners in the project area, with a roughly five-year renourishment cycle.
Why it matters: A pause in the federal renourishment program could affect the timing of future sand placement that protects beachfront property and recreation areas.
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.
R.B. Hunt ElementaryPublic PreK-5 · St. Johns County School District
Sebastian Middle SchoolPublic 6-8 · St. Johns County School District
St. Augustine High SchoolPublic 9-12 · St. Johns County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Feb 2026
$335,000
3960 A1A #801, St. Augustine
2 / 2.5 bd/ba · 1,136 sq ft · $295/sq ft
Courtesy of NON MLS (realMLS) · View details →
Sold Mar 2026
$334,900
3960 A1A #505, St. Augustine Beach
2 / 2.5 bd/ba · 1,296 sq ft · $258/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Median of the set: $276/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
The full spec sheet
Property details & features
Interior
Bedrooms2
Bathrooms2
Living area1,129 sq ft
Exterior & lot
Lot sizeSee record
TypeCondominium
Systems
Year built1975
Age51 yrs
Listing
MLS #2152744
StatusActive
Days on market3
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
St. Augustine Beach
Groceries, dining, and parks for this city — see the city guide.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $599,000Momentum Realty · on market 3 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and 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.
Ready when you are
See 4 OCEAN TRACE Road #319 in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
Listing agent
Listed by
ROUND TABLE REALTY
Listing courtesy of ROUND TABLE REALTY. Information provided via the NEFMLS Internet Data Exchange and deemed reliable but not guaranteed. To tour this home, a licensed Momentum Realty agent can represent you as a buyer.
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 a typical county millage rate to the list price 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.
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 and we will review and correct or remove it promptly.
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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
