133 Andora St · St. Augustine Shores, FL 32086

$199,000

3 bd · 2.0 ba · 1,096 sqft · SingleFamily public records · 6 Days on market

Built 1973 4,791 sqft lot $182/sqft · 24% below area Est $263k · 24% under $33/mo HOA · 2% of rent

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Why this score? — see what drove the C 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 +18.7/30.0
• ARV discount +15.0/15.0
• Schools +6.4/10.0
• DSCR +5.9/10.0
• 1% rule +5.2/10.0
• Rent growth +2.7/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

One or more photos have been virtually staged. Welcome to this 3-bedroom, 2-bathroom single-family home located in beautiful St. Augustine. Step inside to a bright and spacious layout designed for both comfort and functionality. The kitchen offers energy-efficient appliances, ample cabinet space, and recent updates, including a new dishwasher and range--making it ideal for everyday cooking and entertaining. Each bedroom features generous closet space and large windows that fill the home with natural light, creating a warm and welcoming feel throughout. Step outside to a private, fenced backyard--perfect for outdoor gatherings, gardening, or simply relaxing. As part of the St. Augustine Shor

Key facts

• Recent updates
• Community pool
• 4,791 sq ft lot

Tags

• ENERGY EFFICIENT APPLIANCES
• RECENT UPDATES
• PRIVATE FENCED BACKYARD
• COMMUNITY POOL

Property features AI

Finance

• HOA & community: Community association with monthly fee of $33; Community amenities include park and playground

Exterior

• Parking: Carport (1 space)
• Utilities: Public sewer; Electricity connected; Water connected; Sewer connected
• Home design: Single-family residence; One story
• Construction: Other roof
• Exterior features: Other exterior features; Paved road access

Interior

• Kitchen: Electric range; Microwave; Refrigerator
• Bedrooms: Three bedrooms (all on the first/main level)
• Flooring: Tile flooring
• Bathrooms: Two full bathrooms
• Heating & cooling: Heat pump heating; Central air conditioning
• Interior features: Six total rooms; Other interior details
• Laundry & utility: Utilities connected: electricity, water, sewer

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $199k.

Deal economics

• At list price, monthly cash flow is $197 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $199k).
• Cap rate 7.5% vs local median 3.4% in St. Augustine Shores — 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 C — 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.
• Zoned schools: Gamble Rogers Middle School (math 61% / reading 55%, grade B, #151 of 571 statewide, top 27%, 925 students, 47% FRL); Pedro Menendez High School (math 31% / reading 54%, grade F, #264 of 667 statewide, top 41%, 1,519 students, 39% FRL) — zoned schools average 43% FRL vs 20% district-wide (23 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 50% at this address vs 74% district-wide (-24 pts) — the specific schools serving this property underperform the St. Johns average; the district grade overstates school quality for this exact location.
• Market conditions: Rents flat; 400 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 5,575 units permitted in St. Johns County in 2024 (584 in 5+ unit buildings).
• This rent runs 32% of the median local income ($77k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k 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

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $118k; list at $199k implies a 69% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $199,000

Questions for the listing agent

1. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.02% ✓
• Cap rate: 7.48%
• Cash-on-cash: 4.23%
• DSCR: 1.19
• GRM: 8.2

CMA / ARV

• ARV (median comp): $262,955
• List price: $199,000
• Delta: -24.32%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
200 Cecilia Ct	0.18mi	2/2.0 (-1)	1,128 (+3%)	0mo	$279,000	$247	81
165 Toledo St	0.22mi	2/2.0 (-1)	1,128 (+3%)	3mo	$175,000	$155	77
59 Deltona Blvd	0.32mi	2/2.0 (-1)	1,066 (-3%)	2mo	$239,900	$225	74
196 Phoenetia Dr	0.22mi	2/2.0 (-1)	1,008 (-8%)	3mo	$225,000	$223	69
124 Captains Point Cir	0.50mi	3/2.0	1,140 (+4%)	4mo	$290,000	$254	67
258 Costado St	0.56mi	2/1.5 (-1)	1,108 (+1%)	3mo	$275,000	$248	62
72 Deltona Blvd	0.34mi	2/1.0 (-1)	1,014 (-8%)	1mo	$265,000	$261	62
758 Viscaya Blvd	0.70mi	3/2.0	1,040 (-5%)	1mo	$284,900	$274	58
200 Laguna Ct	0.47mi	2/2.0 (-1)	1,212 (+11%)	0mo	$307,500	$254	55
281 Rosario St	0.45mi	2/2.0 (-1)	1,237 (+13%)	3mo	$315,500	$255	50
1008 Dorado Dr	0.67mi	2/2.0 (-1)	1,025 (-6%)	5mo	$296,000	$289	49
991 Dorado Dr	0.64mi	2/2.0 (-1)	1,212 (+11%)	0mo	$275,000	$227	48

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 · 0.85% rent growth · sell at horizon

5-year hold

• IRR: -12.2%
• Equity multiple: 0.57×
• Total profit: $-23,965
• Equity at exit: $29,672

10-year hold

• IRR: -6.6%
• Equity multiple: 0.62×
• Total profit: $-21,392
• Equity at exit: $17,206

Cash invested: $55,720 (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 32086

• Rents YoY: 0.8%
• Active inventory: 400
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $2,022 high
• Mortgage (P&I): −$1,044
• Tax from tax record: −$241 /mo · $2,894/yr
• Insurance: −$83
• HOA: −$33
• Vacancy / Maint / Mgmt: −$425
• Net cashflow: $197

Break-even live

Break-even rent $1,773

Max offer price $199,000

Occupancy floor 85%

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: $49,750
• Closing costs: $5,970
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
146 Phoenetia Dr St Augustine, FL	3.0	2.0	1042	$1,900	$1.82	3d	1	0.08mi
68 Angelo Ln Saint Augustine, FL	2.0	2.0	900	$1,645	$1.83	13d	1	0.27mi
901 Mariana Pl Saint Augustine, FL	3.0	2.0	1447	$2,175	$1.50	3d	1	0.84mi
250 Brainard Dr Unit A St. Augustine, FL	2.0	1.0	960	$2,400	$2.50	23d	1	0.88mi
4420 Carter Rd #43 Saint Augustine, FL	2.0	1.5	870	$1,450	$1.67	23d	1	1.04mi
968 Salzedo Ave Saint Augustine, FL	2.0	2.0	1036	$2,100	$2.03	23d	1	1.10mi
494 Romano St St. Augustine, FL	3.0	2.0	1289	$1,899	$1.47	2d	1	1.19mi
707 Augusta Cir Saint Augustine, FL	3.0	2.0	1428	$1,868	$1.31	3d	1	1.28mi
204 Augusta Cir Saint Augustine, FL	2.0	2.0	1189	$1,750	$1.47	17d	1	1.33mi
204 Augusta Cir Saint Augustine, FL	2.0	2.0	1189	$1,750	$1.47	23d	1	1.33mi
15 Cartagena Ct Saint Augustine, FL	2.0	2.0	880	$1,850	$2.10	14d	1	1.33mi
37 Tarragona Ct #37 St. Augustine, FL	2.0	2.0	880	$1,600	$1.82	7d	1	1.35mi
4 Tarragona Ct Saint Augustine, FL	2.0	2.0	920	$1,550	$1.68	23d	1	1.35mi
407 Augusta Cir Saint Augustine, FL	3.0	2.0	1428	$2,095	$1.47	7d	1	1.35mi
9 Tarragona Ct Saint Augustine, FL	2.0	2.0	880	$1,600	$1.82	23d	1	1.35mi
16 Alcira Ct Unit 16 St. Augustine, FL	2.0	2.0	920	$1,500	$1.63	7d	1	1.38mi
1603 Prestwick Pl Saint Augustine, FL	3.0	2.0	1428	$2,200	$1.54	23d	1	1.42mi
7 Castania Ct Saint Augustine, FL	2.0	2.0	880	$1,700	$1.93	23d	1	1.44mi
40 Andalusia Ct Unit 40 St. Augustine, FL	2.0	2.0	920	$1,650	$1.79	23d	1	1.47mi
13 Navarra Ct Saint Augustine, FL	2.0	2.0	1074	$1,695	$1.58	7d	1	1.48mi
54 Veronese Ct Saint Augustine, FL	2.0	2.0	920	$1,495	$1.62	3d	1	1.48mi

HOA detail

• Monthly dues: $33 · $396/yr

Listing history 13 events

1. 2026-05-15
   status Active 909-char remark
2. 2026-05-14
   historical 909-char remark
3. 2026-05-13
   listed $199,000 Active 909-char remark
4. 2026-03-10
   price $224,999
5. 2025-12-03
   status Active
6. 2025-11-19
   status Pending
7. 2025-10-24
   price $239,900
8. 2025-09-23
   listed $249,900 Active
9. 2022-07-15
   price $1,950
10. 2018-05-15
    soldstatus $118,000
11. 2018-05-11
    soldstatus $90,000
12. 2018-05-11
    soldstatus $99,000
13. 1987-09-01
    soldstatus $36,100

ⓘ 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: $2,894 · $241/mo
• Projected year-2 tax: $2,894 · $241/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 22 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: $24,261
• − Mortgage interest: −$11,147
• − Property taxes: −$2,894
• − Insurance: −$995
• − Repairs & maintenance: −$1,941
• − Management: −$1,941
• − HOA: −$396
• − Depreciation: −$5,789
• Taxable loss: −$842
• Est. tax savings @ 24.0%: +$202
• After-tax cash flow: $2,560/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 Shores

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

Census & demographics

• Census place: St. Augustine Shores, FL
• County: Saint Johns County · 301,599 people
• Metro: Jacksonville, FL
• Population (ZIP): 34,855
• Household income: $76,512
• Rent vs Own: 20.8% rent · 79.2% own
• Severe rent burden: 634.0

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 (84%)
• Race & ethnicity: White 84% Hispanic / Latino 8% Two or more races 5% Black 3% Asian 1%
• Hispanic origin (detail): Puerto Rican 2% Dominican 1%
• Common ancestry: Romanian 3% Lithuanian 3% Italian 2%
• Foreign-born: 7% · Canada, Jamaica, Guatemala
• Languages at home: 91% English-only · Spanish 5% German/W. Germanic 1% Other Indo-European 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: ▼ -278.21%
• Current HPI: 306.2813
• Rent YoY: ▲ 0.85%
• 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

+451.2% since first listed

14 events — show timeline

• 2026-05-21 Pending — realMLS
• 2026-05-15 Relisted — realMLS
• 2026-05-14 Listing Removed — realMLS
• 2026-05-13 Listed $199,000 realMLS
• 2026-03-10 Price Changed $224,999 Stellar MLS as Distributed by MLS Grid
• 2025-12-03 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-11-19 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-10-24 Price Changed $239,900 Stellar MLS as Distributed by MLS Grid
• 2025-09-23 Listed $249,900 Stellar MLS as Distributed by MLS Grid
• 2022-07-15 Price Changed $1,950 RENT.
• 2018-05-15 Sold (Public Records) $118,000 Public Records
• 2018-05-11 Sold (Public Records) $99,000 Public Records
• 2018-05-11 Sold (Public Records) $90,000 Public Records
• 1987-09-01 Sold (Public Records) $36,100 Public Records

Property tax history

+8.5%/yr

Latest (2025): $2,894 · +13.5% YoY. Source: county tax records.