Waterfront Communities in St. Augustine, FL
Looking for waterfront communities in St. Augustine, FL? Momentum tracks 12 St. Augustine communities with evidence of waterfront living, each with MLS-derived pricing and market pace below — plus the local questions worth asking before you buy, and a direct line to an agent who works these communities.
St. Augustine waterfront communities at a glance
The communities, by recent sales activity
| Community | City | Median price | 1-yr change | Days on mkt |
|---|---|---|---|---|
| Villages of Vilano · agent | St. Augustine | $460,000 | -6.0% | 95 d |
| Vilano Beach · agent | St. Augustine | $856,000 | +4.0% | 215 d |
| Ocean Village Club · agent | St. Augustine | $345,000 | -3.0% | 62 d |
| Sea Place · agent | St. Augustine | $455,000 | -28.0% | – |
| Summerhouse · agent | St. Augustine | $421,000 | -23.0% | 40 d |
| Colony Reef Club · agent | St. Augustine | $564,000 | +2.0% | 145 d |
| Surfside · agent | St. Augustine | $1.11M | +1.0% | 191 d |
| Ocean Gallery · agent | St. Augustine | $602,000 | +17.0% | 129 d |
| Four Winds Condominiums · agent | St. Augustine | $425,000 | +32.0% | 62 d |
| Summer Island · agent | St. Augustine | $1.23M | +14.0% | 101 d |
| Seaside Vista · agent | St. Augustine | $1.10M | – | – |
| Pelican Inlet · agent | St. Augustine | $275,000 | – | – |
Communities are listed by recent closing volume in Momentum’s MLS data. Figures are aggregates, change over time, and are deemed reliable but not guaranteed.
What waterfront ownership really costs in Florida
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand — not an estimate. Our wind mitigation savings calculator shows how inspection credits can offset part of the premium, and the buyer closing costs calculator builds insurance into your cash-to-close number.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
What it costs to own here
At St. Johns County’s typical combined millage of 13.47 mills, a purchase at $512,000 (the median across these St. Augustine waterfront communities) generates roughly $6,896 a year in property tax before exemptions — about $575 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in St. Johns County average about $1,378 a year ($115 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in St. Johns County near $2,908 (principal and interest on the typical home, tax, and insurance).
Run your exact numbers: the property tax after purchase calculator uses St. Johns County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.
Demand and supply in St. Johns County right now
In the most recent IRS migration data (2022-2023), St. Johns County gained a net 10,642 people to relocation, with the largest inbound flows from NY, CA, NJ. Households moving IN reported average incomes of $130,600 versus $97,713 for those leaving — the income mix of demand, straight from tax filings. Population is up about 24.1% over the recent multi-year window. On the supply side, builders pulled 4,735 residential permits in St. Johns County in 2025 (3,554 single-family), down 15.1% year over year — against 8,390 at the 2021 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as undervalued by about 5.7% versus its income-and-rent fundamentals.
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Run the numbers in St. Johns County
Common questions
How many waterfront communities does St. Augustine, FL have?
What do homes in St. Augustine waterfront communities cost?
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What are property taxes like in St. Johns County?
Community classifications are compiled from MLS-reported amenities, verified amenity records and MLS build-year data, as of 2026-06-16; they are informational, change over time, and are deemed reliable but not guaranteed — verify details with each association. Not an offer of housing to any protected class to the exclusion of others. Equal Housing Opportunity.