4524 5th Ave · St. Augustine, FL 32095

$245,900

3 bd · 2.0 ba · 1,568 sqft · Manufactured public records · 116 Days on market

Built 1993 9,148 sqft lot $157/sqft · 66% above area

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Why this score? — see what drove the D+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +18.2/30.0
• ARV discount +7.5/15.0
• Schools +6.4/10.0
• DSCR +5.7/10.0
• 1% rule +3.6/10.0
• Rent growth +2.9/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this beautifully maintained, original owner home that's truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville. All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify.

Key facts

• Quartz countertops
• Vinyl flooring
• Screened-in porch

Tags

• VINYL FLOORING
• UPDATED KITCHEN
• QUARTZ COUNTERTOPS
• RENOVATED SHOWER
• SCREENED-IN PORCH
• FULLY FENCED BACKYARD

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $246k.

Deal economics

• At list price, monthly cash flow is $152 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $210k (14.4% below list).
• Recommended offer: $210k (14.4% below list) — sets the bar for 1% rule.
• Cap rate 7.4% vs local median 3.1% in St. Augustine — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• St. Johns (rural): math 75% / reading 73% proficiency, ranked #2 of 73 in FL (top 3%) — strong family-tenant draw, lease renewals of 3-5y typical; only 20% free/reduced lunch — higher-income household profile.
• Market conditions: Rents rising (+1.8%/yr); 461 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 5,575 units permitted in St. Johns County in 2024 (584 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• St. Johns County population projected at +60% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 116 days — a 9% lower offer ($224k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts; this cycle's ask has dropped $29k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $76k; list at $246k implies a 224% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $210,442 (14.4% below list)

Questions for the listing agent

1. It's been on market 116 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.86% ✗
• Cap rate: 7.36%
• Cash-on-cash: 3.81%
• DSCR: 1.17
• GRM: 9.7

CMA / ARV

• ARV (median comp): $148,000
• List price: $245,900
• Delta: 66.15%
• Verdict: OVERPRICED
• Comps: 3 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4560 Third Ave	0.16mi	3/2.0	1,534 (-2%)	8mo	$130,000	$85	82
4633 Third Ave	0.30mi	4/2.0 (+1)	1,501 (-4%)	2mo	$148,000	$99	72
4740 Avenue B	0.69mi	3/2.0	1,512 (-4%)	14mo	$210,000	$139	50

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 1.77% rent growth · sell at horizon

5-year hold

• IRR: -13.4%
• Equity multiple: 0.52×
• Total profit: $-32,808
• Equity at exit: $36,664

10-year hold

• IRR: -6.4%
• Equity multiple: 0.61×
• Total profit: $-26,726
• Equity at exit: $21,261

Cash invested: $68,852 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32095

• Home prices YoY: -18.4%
• Rents YoY: 1.8%
• Active inventory: 461
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $2,104 high
• Mortgage (P&I): −$1,290
• Tax from tax record: −$52 /mo · $622/yr
• Insurance: −$102
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$442
• Net cashflow: $152

Break-even live

Break-even rent $1,912

Max offer price $245,900

Occupancy floor 88%

Sensitivity live

Price	-10% $291	-5% $222	+0% $152	+5% $83	+10% $13
Rent	-10% $-14	-5% $69	+0% $152	+5% $235	+10% $318
Rate	-1.0pp $276	-0.5pp $215	base $152	+0.5pp $89	+1.0pp $24

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $61,475
• Closing costs: $7,377
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4653 6th Ave Saint Augustine, FL	3.0	2.0	1242	$2,000	$1.61	24d	1	0.32mi
100 Lasa Dr Saint Augustine, FL	1.0–3.0	1.0–2.0	1013	$1,959	$1.93	3d	46	1.07mi
119 Plantation Point Dr St. Augustine, FL	3.0	2.0	1186	$1,795	$1.51	24d	1	1.14mi
119 Plantation Point Dr St. Augustine, FL	3.0	2.0	1186	$1,795	$1.51	22d	1	1.14mi
127 Plantation Point Dr St. Augustine, FL	3.0	2.0	1186	$1,825	$1.54	22d	1	1.16mi
725 Flagler Crossing Dr Saint Augustine, FL	1.0–3.0	1.0–2.0	1002	$2,117	$2.11	4d	37	1.34mi
124 Cody St Saint Augustine, FL	4.0	2.0	1861	$2,300	$1.24	24d	1	1.38mi
3300 Lewis Speedway Saint Augustine, FL	4.0	2.0	1700	$2,850	$1.68	24d	1	1.38mi
106 Whispering Brook Dr Saint Augustine, FL	2.0	2.5	1109	$1,800	$1.62	24d	1	1.40mi
106 Red House Cir Saint Augustine, FL	2.0	2.0	1109	$1,650	$1.49	24d	1	1.43mi
98 Red House Cir Saint Augustine, FL	2.0	2.5	1109	$1,600	$1.44	18d	1	1.44mi
98 Red House Cir Saint Augustine, FL	2.0	2.5	1109	$1,600	$1.44	24d	1	1.44mi
48 Red House Cir Saint Augustine, FL	3.0	2.5	1337	$1,800	$1.35	24d	1	1.44mi
79 Red House Cir Saint Augustine, FL	2.0	2.5	1109	$1,695	$1.53	21d	1	1.47mi
197 Whispering Brook Dr Saint Augustine, FL	2.0	2.5	1109	$1,900	$1.71	24d	1	1.47mi

Listing history 28 events

1. 2026-06-01
   statusdays on market $245,900 Pending 116 DOM
2. 2026-05-31
   days on market $245,900 Active 115 DOM
3. 2026-05-13
   price $244,900 1166-char remark

   Show marketing remark (1166 chars)

   Welcome to this beautifully maintained, original owner home that's truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville. All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify.

4. 2026-05-06
   price $249,900 868-char remark

   Show marketing remark (868 chars)

   Welcome to this beautifully maintained, original owner home that’s truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville.

5. 2026-05-05
   status Active

   Show marketing remark (868 chars)

   Welcome to this beautifully maintained, original owner home that’s truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville.

6. 2026-05-05
   price $249,900

   Show marketing remark (868 chars)

   Welcome to this beautifully maintained, original owner home that’s truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville.

7. 2026-05-05
   status Active 1166-char remark

   Show marketing remark (868 chars)

   Welcome to this beautifully maintained, original owner home that’s truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville.

8. 2026-05-05
   price $249,900 1166-char remark

   Show marketing remark (868 chars)

   Welcome to this beautifully maintained, original owner home that’s truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville.

9. 2026-05-05
   status Active 868-char remark

   Show marketing remark (868 chars)

   Welcome to this beautifully maintained, original owner home that’s truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville.

10. 2026-04-30
    status Pending 1166-char remark

    Show marketing remark (868 chars)

    Welcome to this beautifully maintained, original owner home that’s truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville.

11. 2026-04-30
    status Pending

    Show marketing remark (868 chars)

    Welcome to this beautifully maintained, original owner home that’s truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville.

12. 2026-04-30
    historical Contingent- Accepting Backups 868-char remark

    Show marketing remark (868 chars)

    Welcome to this beautifully maintained, original owner home that’s truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville.

13. 2026-04-15
    price $255,000 868-char remark

    Show marketing remark (868 chars)

    Welcome to this beautifully maintained, original owner home that’s truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville.

14. 2026-04-14
    price $255,000

    Show marketing remark (1166 chars)

    Welcome to this beautifully maintained, original owner home that's truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville. All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify.

15. 2026-04-14
    price $255,000 1166-char remark

    Show marketing remark (1166 chars)

    Welcome to this beautifully maintained, original owner home that's truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville. All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify.

16. 2026-03-14
    status Active 1166-char remark

    Show marketing remark (868 chars)

    Welcome to this beautifully maintained, original owner home that’s truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville.

17. 2026-03-14
    status Active

    Show marketing remark (868 chars)

    Welcome to this beautifully maintained, original owner home that’s truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville.

18. 2026-03-14
    status Active 868-char remark

    Show marketing remark (868 chars)

    Welcome to this beautifully maintained, original owner home that’s truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville.

19. 2026-03-05
    status Pending

    Show marketing remark (1166 chars)

    Welcome to this beautifully maintained, original owner home that's truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville. All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify.

20. 2026-03-05
    historical Contingent- Accepting Backups 868-char remark

    Show marketing remark (1166 chars)

    Welcome to this beautifully maintained, original owner home that's truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville. All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify.

21. 2026-03-05
    historical Active Under Contract 1166-char remark

    Show marketing remark (1166 chars)

    Welcome to this beautifully maintained, original owner home that's truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville. All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify.

22. 2026-02-17
    price $265,000 868-char remark

    Show marketing remark (1166 chars)

    Welcome to this beautifully maintained, original owner home that's truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville. All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify.

23. 2026-02-17
    price $265,000

    Show marketing remark (1166 chars)

    Welcome to this beautifully maintained, original owner home that's truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville. All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify.

24. 2026-02-17
    price $265,000 1166-char remark

    Show marketing remark (1166 chars)

    Welcome to this beautifully maintained, original owner home that's truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville. All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify.

25. 2026-01-22
    listed $275,000 Active 1166-char remark

    Show marketing remark (868 chars)

    Welcome to this beautifully maintained, original owner home that’s truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville.

26. 2026-01-22
    listed $275,000 Active 868-char remark

    Show marketing remark (868 chars)

    Welcome to this beautifully maintained, original owner home that’s truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville.

27. 2026-01-22
    listed $275,000 Active

    Show marketing remark (868 chars)

    Welcome to this beautifully maintained, original owner home that’s truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout, no carpet! The updated kitchen shines with new cabinets, quartz countertops, and new appliances, while the primary bathroom features a modern, renovated shower. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers—perfect for relaxing or entertaining. An 11' x 15' shed adds great extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property—just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville.

28. 1992-02-11
    soldstatus $75,833

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $622 · $52/mo
• Projected year-2 tax: $2,041 · $170/mo
• Expected delta: +$1,419/yr (+$118/mo · 228.2%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone X (shaded) · 99% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°F today · 20 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,253
• − Mortgage interest: −$13,774
• − Property taxes: −$622
• − Insurance: −$2,027
• − Repairs & maintenance: −$2,020
• − Management: −$2,020
• − Depreciation: −$7,153
• Taxable loss: −$2,364
• Est. tax savings @ 24.0%: +$567
• After-tax cash flow: $2,394/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: St. Johns
• NCES district ID: 1201740
• Math proficiency: 75% ▼ -5.00%
• Reading proficiency: 73% ▼ -2.00%
• Median HH income: $66,842
• Composite: 64.31/100
• National rank: #556
• State rank: #2 of 73 in FL

Livability — St. Augustine

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Saint Johns County · 301,599 people
• Metro: Jacksonville, FL
• Population (ZIP): 21,399
• Household income: $136,038
• Rent vs Own: 8.0% rent · 92.0% own
• Severe rent burden: 101.0

Population outlook (St. Johns County) Hauer SSP2

• Today (2025): 303,941 people
• By 2030: 342,590 · +12.7%
• By 2040: 417,328 · +37.3%
• By 2050: 487,011 · +60.2%
• By 2075: 635,395 · +109.1%
• By 2100: 717,469 · +136.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Hispanic / Latino 11% Asian 6% Two or more races 5% Black 4%
• Hispanic origin (detail): Mexican 1% Cuban 3% Dominican 2%
• Common ancestry: Romanian 4% Lithuanian 4% Slovak 3%
• Foreign-born: 12% · Canada, Jamaica, China
• Languages at home: 85% English-only · Spanish 9% Other Indo-European 1% Russian/Polish/Slavic 1%

Political lean MEDSL · St. Johns

• 2024 margin: Solid R (+31.4) · D 33.9% · R 65.2%
• 2008→2024 swing: +0.2pp no change · 2008: -31.6pp · 2024: -31.4pp
• All cycles: 2024: R+31.4 2020: R+26.7 2016: R+33.4 2012: R+37.8 2008: R+31.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -55.44%
• Current HPI: 246.0743
• Rent YoY: ▲ 1.77%
• Metro: Jacksonville, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+222.9% since first listed

26 events — show timeline

• 2026-05-13 Price Changed $244,900 realMLS
• 2026-05-06 Price Changed $249,900 St. Augustine and St. Johns County Board of REALTORS®
• 2026-05-05 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-05-05 Price Changed $249,900 Stellar MLS as Distributed by MLS Grid
• 2026-05-05 Relisted — realMLS
• 2026-05-05 Price Changed $249,900 realMLS
• 2026-05-05 Relisted — St. Augustine and St. Johns County Board of REALTORS®
• 2026-04-30 Pending — realMLS
• 2026-04-30 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-30 Contingent — St. Augustine and St. Johns County Board of REALTORS®
• 2026-04-15 Price Changed $255,000 St. Augustine and St. Johns County Board of REALTORS®
• 2026-04-14 Price Changed $255,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-14 Price Changed $255,000 realMLS
• 2026-03-14 Relisted — realMLS
• 2026-03-14 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-03-14 Relisted — St. Augustine and St. Johns County Board of REALTORS®
• 2026-03-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-05 Contingent — St. Augustine and St. Johns County Board of REALTORS®
• 2026-03-05 Contingent — realMLS
• 2026-02-17 Price Changed $265,000 St. Augustine and St. Johns County Board of REALTORS®
• 2026-02-17 Price Changed $265,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-17 Price Changed $265,000 realMLS
• 2026-01-22 Listed $275,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-22 Listed $275,000 St. Augustine and St. Johns County Board of REALTORS®
• 2026-01-22 Listed $275,000 realMLS
• 1992-02-11 Sold (Public Records) $75,833 Public Records

Property tax history

+4.0%/yr

Latest (2025): $622 · +23.0% YoY. Source: county tax records.