1349 Mattie St · St. Augustine, FL 32084

$270,000

3 bd · 2.0 ba · 1,190 sqft · SingleFamily public records · 177 Days on market

Built 2005 4,791 sqft lot $227/sqft · 19% below area Est $334k · 19% under

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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 +21.0/30.0
• ARV discount +15.0/15.0
• DSCR +6.7/10.0
• Schools +6.4/10.0
• 1% rule +4.3/10.0
• Rent growth +2.6/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Discover this well-maintained 3 bedroom, 2 bathroom home located just minutes from historic downtown St. Augustine. This property offers an open layout with abundant natural light and spacious living areas that provide comfort and flexibility. The main living and dining space features vaulted ceilings, updated lighting, and attractive wood-look flooring that flows throughout the central areas. The kitchen includes ample cabinet storage, a full appliance package, tile flooring, and generous counter space for meal preparation. All three bedrooms offer comfortable layouts, large windows, and closet space. Outdoor features include a front porch, mature landscaping, and a paver driveway that offers convenient off-street parking. The yard provides space for gardening, outdoor seating. Located in a quiet neighborhood with no HOA or CDD fees, this home provides easy access to shopping, dining, parks, and the beaches. This property is move-in ready and easy to show.

Key facts

• Wood-look flooring
• Natural light
• Open layout

Tags

• OPEN LAYOUT
• NATURAL LIGHT
• VAULTED CEILINGS
• UPDATED LIGHTING
• WOOD-LOOK FLOORING
• AMPLE CABINET STORAGE

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $270k.

Deal economics

• At list price, monthly cash flow is $379 ($5k/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 $250k (7.4% below list).
• Recommended offer: $238k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.0% 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 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.
• Market conditions: Rents flat; 631 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); 5,575 units permitted in St. Johns County in 2024 (584 in 5+ unit buildings).
• This rent runs 41% of the median local income ($74k/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 $2k of loan paydown is wiped out by about $8k 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 177 days — a 12% lower offer ($238k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 11y ago; this cycle's ask has dropped $30k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $105k; list at $270k implies a 157% 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→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $237,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 177 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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: 0.93% ✗
• Cap rate: 7.98%
• Cash-on-cash: 6.01%
• DSCR: 1.27
• GRM: 9.0

CMA / ARV

• ARV (median comp): $333,545
• List price: $270,000
• Delta: -19.05%
• 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
56 S Whitney St #D	0.62mi	3/2.0	1,174 (-1%)	2mo	$350,000	$298	67
283 Columbus St	0.34mi	4/2.0 (+1)	1,232 (+4%)	10mo	$300,000	$244	64
16 Sidney St	0.59mi	3/2.0	1,195 (+0%)	10mo	$370,000	$310	64
5 Carey St	0.59mi	3/2.0	1,220 (+2%)	6mo	$375,000	$307	63
974 Alexander St	0.64mi	2/1.5 (-1)	1,200 (+1%)	1mo	$339,000	$283	61
39 S Whitney St	0.68mi	3/2.0	1,236 (+4%)	2mo	$355,000	$287	60
173 Lynn St	0.22mi	3/2.0	1,346 (+13%)	10mo	$390,000	$290	60
651 Anderson St	0.68mi	3/1.0	1,152 (-3%)	2mo	$200,000	$174	57
20 Aviles Dr	0.39mi	2/1.0 (-1)	1,064 (-11%)	4mo	$374,000	$352	51
6 Hopkins St	0.64mi	3/2.0	1,056 (-11%)	2mo	$275,000	$260	50
32 John St	0.70mi	3/2.0	1,362 (+14%)	2mo	$495,000	$363	42
18 Clark St	0.75mi	3/3.5	1,349 (+13%)	0mo	$545,000	$404	37

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 · 0.25% rent growth · sell at horizon

5-year hold

• IRR: -9.8%
• Equity multiple: 0.65×
• Total profit: $-26,483
• Equity at exit: $40,258

10-year hold

• IRR: -4.2%
• Equity multiple: 0.75×
• Total profit: $-18,661
• Equity at exit: $23,345

Cash invested: $75,600 (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 32084

• Rents YoY: 0.2%
• Active inventory: 631
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $2,501 high
• Mortgage (P&I): −$1,416
• Tax from tax record: −$68 /mo · $818/yr
• Insurance: −$112
• HOA: −$0
• Vacancy / Maint / Mgmt: −$525
• Net cashflow: $379

Break-even live

Break-even rent $2,021

Max offer price $270,000

Occupancy floor 80%

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: $67,500
• Closing costs: $8,100
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1419 San Juline Cir Saint Augustine, FL	2.0	1.5	804	$1,649	$2.05	13d	1	0.21mi
909 S Ponce de Leon Blvd Saint Augustine, FL	2.0	2.0	1120	$3,150	$2.81	3d	1	0.31mi
950 Sidney St Unit 12 St. Augustine, FL	2.0	1.0	900	$1,300	$1.44	23d	1	0.39mi
130 Shipyard Way St. Augustine, FL	1.0–3.0	1.0–2.0	1137	$3,480	$3.06	1d	68	0.44mi
1845 Old Moultrie Rd #32 Saint Augustine, FL	2.0	1.0	870	$1,650	$1.90	23d	1	0.52mi
550 Lena St Unit 1281938P St. Augustine, FL	3.0	2.0	1194	$3,236	$2.71	7d	1	0.52mi
46 Phillips St Unit 1281939P St. Augustine, FL	3.0	2.0	1496	$3,986	$2.66	13d	1	0.60mi
942 Alexander St St. Augustine, FL	2.0	1.5	1200	$1,925	$1.60	10d	1	0.65mi
100 Inspire Way St. Augustine, FL	2.0–3.0	2.0	1393	$2,635	$1.89	23d	120	0.66mi
535 S Woodlawn St Saint Augustine, FL	3.0	2.5	1381	$2,100	$1.52	13d	1	0.83mi
20 Rollins Ave Saint Augustine, FL	3.0	1.0	828	$1,500	$1.81	23d	1	0.83mi
259 Riberia St Unit A St. Augustine, FL	2.0	2.0	1115	$2,600	$2.33	23d	1	0.86mi
134 South St Unit 1281931P St. Augustine, FL	3.0	2.0	1291	$6,455	$5.00	7d	1	0.87mi
171 Twine St Unit 1568459P St. Augustine, FL	2.0	1.5	1151	$4,362	$3.79	1d	1	0.90mi
123 Moore St Unit 1281961P St. Augustine, FL	2.0	2.0	904	$3,119	$3.45	2d	1	0.92mi
140B Martin Luther King Ave Unit 1281977P St. Augustine, FL	2.0	1.0	1097	$3,427	$3.12	1d	1	0.94mi
29 Buckley Ct Saint Augustine, FL	2.0	2.5	1211	$2,300	$1.90	23d	1	0.97mi
105 Whitland Way Unit 1 St. Augustine, FL	3.0	2.5	1499	$2,300	$1.53	3d	1	0.98mi
895 Collier Blvd Saint Augustine, FL	3.0	2.0	1359	$2,000	$1.47	23d	1	1.01mi
36 Weeden St Unit 1281973P St. Augustine, FL	2.0	1.5	957	$3,854	$4.03	7d	1	1.01mi
90 De Haven St Unit 1281966P St. Augustine, FL	2.0	1.5	796	$5,474	$6.88	2d	1	1.07mi
114 Cedar St Unit 4 St. Augustine, FL	4.0	3.0	1495	$2,895	$1.94	23d	1	1.09mi
114 Cedar St Saint Augustine, FL	4.0	3.0	1495	$2,895	$1.94	23d	2	1.09mi
62 Dumas St Saint Augustine, FL	3.0	2.0	1022	$2,500	$2.45	23d	1	1.10mi
35 Desoto Pl Unit 1281968P St. Augustine, FL	2.0	2.0	1173	$5,216	$4.45	12d	1	1.12mi
104 Cedar St Unit 1281914P St. Augustine, FL	3.0	2.0	1399	$7,542	$5.39	2d	1	1.13mi
138 Oviedo St Unit A St. Augustine, FL	2.0	1.0	995	$1,695	$1.70	3d	1	1.18mi
46 Saint Francis St Saint Augustine, FL	2.0	2.0	999	$3,000	$3.00	21d	1	1.22mi
1038 Collier Blvd Saint Augustine, FL	3.0	3.0	1180	$2,450	$2.08	23d	1	1.24mi
455 S Volusia St Saint Augustine, FL	3.0	2.0	1141	$1,950	$1.71	23d	1	1.24mi
21 Pearl St Unit 1281964P St. Augustine, FL	3.0	2.0	1130	$7,100	$6.28	2d	1	1.27mi
600 Francis St Saint Augustine, FL	3.0	2.0	1280	$2,495	$1.95	3d	1	1.34mi
251 Charlotte St Unit B St. Augustine, FL	2.0	1.0	746	$2,900	$3.89	23d	1	1.35mi
251 Charlotte St Unit A St. Augustine, FL	2.0	1.0	746	$2,500	$3.35	23d	1	1.35mi
29 Masters Dr Unit B St. Augustine, FL	3.0	2.0	1250	$2,500	$2.00	12d	1	1.35mi
1040 W 7th St Saint Augustine, FL	2.0	2.0	1108	$2,195	$1.98	1d	1	1.36mi
11 Aviles St Unit 2B St. Augustine, FL	2.0	1.5	777	$2,500	$3.22	23d	1	1.41mi
117 Ridge Lake Rd Saint Augustine, FL	3.0	2.5	1471	$2,200	$1.50	7d	1	1.46mi
700 Hamilton Ave Saint Augustine, FL	3.0	2.0	1302	$2,035	$1.56	3d	1	1.48mi
56 Masters Dr Unit D St. Augustine, FL	2.0	1.5	900	$1,300	$1.44	23d	1	1.50mi

Listing history 15 events

1. 2026-05-11
   price $270,000 971-char remark

   Show marketing remark (971 chars)

   Discover this well-maintained 3 bedroom, 2 bathroom home located just minutes from historic downtown St. Augustine. This property offers an open layout with abundant natural light and spacious living areas that provide comfort and flexibility. The main living and dining space features vaulted ceilings, updated lighting, and attractive wood-look flooring that flows throughout the central areas. The kitchen includes ample cabinet storage, a full appliance package, tile flooring, and generous counter space for meal preparation. All three bedrooms offer comfortable layouts, large windows, and closet space. Outdoor features include a front porch, mature landscaping, and a paver driveway that offers convenient off-street parking. The yard provides space for gardening, outdoor seating. Located in a quiet neighborhood with no HOA or CDD fees, this home provides easy access to shopping, dining, parks, and the beaches. This property is move-in ready and easy to show.

2. 2026-03-28
   price $275,000 971-char remark

   Show marketing remark (971 chars)

   Discover this well-maintained 3 bedroom, 2 bathroom home located just minutes from historic downtown St. Augustine. This property offers an open layout with abundant natural light and spacious living areas that provide comfort and flexibility. The main living and dining space features vaulted ceilings, updated lighting, and attractive wood-look flooring that flows throughout the central areas. The kitchen includes ample cabinet storage, a full appliance package, tile flooring, and generous counter space for meal preparation. All three bedrooms offer comfortable layouts, large windows, and closet space. Outdoor features include a front porch, mature landscaping, and a paver driveway that offers convenient off-street parking. The yard provides space for gardening, outdoor seating. Located in a quiet neighborhood with no HOA or CDD fees, this home provides easy access to shopping, dining, parks, and the beaches. This property is move-in ready and easy to show.

3. 2026-02-10
   price $292,500 971-char remark

   Show marketing remark (971 chars)

   Discover this well-maintained 3 bedroom, 2 bathroom home located just minutes from historic downtown St. Augustine. This property offers an open layout with abundant natural light and spacious living areas that provide comfort and flexibility. The main living and dining space features vaulted ceilings, updated lighting, and attractive wood-look flooring that flows throughout the central areas. The kitchen includes ample cabinet storage, a full appliance package, tile flooring, and generous counter space for meal preparation. All three bedrooms offer comfortable layouts, large windows, and closet space. Outdoor features include a front porch, mature landscaping, and a paver driveway that offers convenient off-street parking. The yard provides space for gardening, outdoor seating. Located in a quiet neighborhood with no HOA or CDD fees, this home provides easy access to shopping, dining, parks, and the beaches. This property is move-in ready and easy to show.

4. 2026-01-07
   price $295,000 971-char remark

   Show marketing remark (971 chars)

   Discover this well-maintained 3 bedroom, 2 bathroom home located just minutes from historic downtown St. Augustine. This property offers an open layout with abundant natural light and spacious living areas that provide comfort and flexibility. The main living and dining space features vaulted ceilings, updated lighting, and attractive wood-look flooring that flows throughout the central areas. The kitchen includes ample cabinet storage, a full appliance package, tile flooring, and generous counter space for meal preparation. All three bedrooms offer comfortable layouts, large windows, and closet space. Outdoor features include a front porch, mature landscaping, and a paver driveway that offers convenient off-street parking. The yard provides space for gardening, outdoor seating. Located in a quiet neighborhood with no HOA or CDD fees, this home provides easy access to shopping, dining, parks, and the beaches. This property is move-in ready and easy to show.

5. 2025-11-26
   listed $300,000 Active 971-char remark

   Show marketing remark (971 chars)

   Discover this well-maintained 3 bedroom, 2 bathroom home located just minutes from historic downtown St. Augustine. This property offers an open layout with abundant natural light and spacious living areas that provide comfort and flexibility. The main living and dining space features vaulted ceilings, updated lighting, and attractive wood-look flooring that flows throughout the central areas. The kitchen includes ample cabinet storage, a full appliance package, tile flooring, and generous counter space for meal preparation. All three bedrooms offer comfortable layouts, large windows, and closet space. Outdoor features include a front porch, mature landscaping, and a paver driveway that offers convenient off-street parking. The yard provides space for gardening, outdoor seating. Located in a quiet neighborhood with no HOA or CDD fees, this home provides easy access to shopping, dining, parks, and the beaches. This property is move-in ready and easy to show.

6. 2016-05-26
   soldstatus $105,000
7. 2016-05-25
   soldstatus $105,000 Sold 919-char remark

   Show marketing remark (919 chars)

   What an opportunity! Affordable 3bd/2ba modular home on corner lot just off SR 207. Warm welcoming open plan living/dining area with cathedral ceiling, beautiful laminate floors and tiled kitchen window bump out to give extra counter space and offer plenty of natural light. Great floorplan for entertaining family and friends. Sliding doors lead from the living room area to a spacious covered wooden porch, perfect place to relax after a long day. The Master Bedroom has two closets and a bath with shower. 2nd bedroom is currently used as an office. Main bathroom has upgraded vanity and tiled floors. Convenient inside laundry area making laundry a snap! New A/C (outside handler) installed 2012 and large 2 car pavered driveway completes this charming ranch style home! Tucked away in quiet area with mature trees, minutes from shopping and close to downtown St. Augustine and the beaches. This is a SHORT SALE.

8. 2016-05-25
   soldstatus $105,000

   Show marketing remark (919 chars)

   What an opportunity! Affordable 3bd/2ba modular home on corner lot just off SR 207. Warm welcoming open plan living/dining area with cathedral ceiling, beautiful laminate floors and tiled kitchen window bump out to give extra counter space and offer plenty of natural light. Great floorplan for entertaining family and friends. Sliding doors lead from the living room area to a spacious covered wooden porch, perfect place to relax after a long day. The Master Bedroom has two closets and a bath with shower. 2nd bedroom is currently used as an office. Main bathroom has upgraded vanity and tiled floors. Convenient inside laundry area making laundry a snap! New A/C (outside handler) installed 2012 and large 2 car pavered driveway completes this charming ranch style home! Tucked away in quiet area with mature trees, minutes from shopping and close to downtown St. Augustine and the beaches. This is a SHORT SALE.

9. 2016-03-31
   status Pending 919-char remark

   Show marketing remark (919 chars)

   What an opportunity! Affordable 3bd/2ba modular home on corner lot just off SR 207. Warm welcoming open plan living/dining area with cathedral ceiling, beautiful laminate floors and tiled kitchen window bump out to give extra counter space and offer plenty of natural light. Great floorplan for entertaining family and friends. Sliding doors lead from the living room area to a spacious covered wooden porch, perfect place to relax after a long day. The Master Bedroom has two closets and a bath with shower. 2nd bedroom is currently used as an office. Main bathroom has upgraded vanity and tiled floors. Convenient inside laundry area making laundry a snap! New A/C (outside handler) installed 2012 and large 2 car pavered driveway completes this charming ranch style home! Tucked away in quiet area with mature trees, minutes from shopping and close to downtown St. Augustine and the beaches. This is a SHORT SALE.

10. 2015-12-19
    historical Active - Contingent 919-char remark

    Show marketing remark (919 chars)

    What an opportunity! Affordable 3bd/2ba modular home on corner lot just off SR 207. Warm welcoming open plan living/dining area with cathedral ceiling, beautiful laminate floors and tiled kitchen window bump out to give extra counter space and offer plenty of natural light. Great floorplan for entertaining family and friends. Sliding doors lead from the living room area to a spacious covered wooden porch, perfect place to relax after a long day. The Master Bedroom has two closets and a bath with shower. 2nd bedroom is currently used as an office. Main bathroom has upgraded vanity and tiled floors. Convenient inside laundry area making laundry a snap! New A/C (outside handler) installed 2012 and large 2 car pavered driveway completes this charming ranch style home! Tucked away in quiet area with mature trees, minutes from shopping and close to downtown St. Augustine and the beaches. This is a SHORT SALE.

11. 2015-12-19
    historical

    Show marketing remark (919 chars)

    What an opportunity! Affordable 3bd/2ba modular home on corner lot just off SR 207. Warm welcoming open plan living/dining area with cathedral ceiling, beautiful laminate floors and tiled kitchen window bump out to give extra counter space and offer plenty of natural light. Great floorplan for entertaining family and friends. Sliding doors lead from the living room area to a spacious covered wooden porch, perfect place to relax after a long day. The Master Bedroom has two closets and a bath with shower. 2nd bedroom is currently used as an office. Main bathroom has upgraded vanity and tiled floors. Convenient inside laundry area making laundry a snap! New A/C (outside handler) installed 2012 and large 2 car pavered driveway completes this charming ranch style home! Tucked away in quiet area with mature trees, minutes from shopping and close to downtown St. Augustine and the beaches. This is a SHORT SALE.

12. 2015-12-17
    listed $94,900 Active 919-char remark

    Show marketing remark (919 chars)

    What an opportunity! Affordable 3bd/2ba modular home on corner lot just off SR 207. Warm welcoming open plan living/dining area with cathedral ceiling, beautiful laminate floors and tiled kitchen window bump out to give extra counter space and offer plenty of natural light. Great floorplan for entertaining family and friends. Sliding doors lead from the living room area to a spacious covered wooden porch, perfect place to relax after a long day. The Master Bedroom has two closets and a bath with shower. 2nd bedroom is currently used as an office. Main bathroom has upgraded vanity and tiled floors. Convenient inside laundry area making laundry a snap! New A/C (outside handler) installed 2012 and large 2 car pavered driveway completes this charming ranch style home! Tucked away in quiet area with mature trees, minutes from shopping and close to downtown St. Augustine and the beaches. This is a SHORT SALE.

13. 2015-12-17
    listed $94,900

    Show marketing remark (919 chars)

    What an opportunity! Affordable 3bd/2ba modular home on corner lot just off SR 207. Warm welcoming open plan living/dining area with cathedral ceiling, beautiful laminate floors and tiled kitchen window bump out to give extra counter space and offer plenty of natural light. Great floorplan for entertaining family and friends. Sliding doors lead from the living room area to a spacious covered wooden porch, perfect place to relax after a long day. The Master Bedroom has two closets and a bath with shower. 2nd bedroom is currently used as an office. Main bathroom has upgraded vanity and tiled floors. Convenient inside laundry area making laundry a snap! New A/C (outside handler) installed 2012 and large 2 car pavered driveway completes this charming ranch style home! Tucked away in quiet area with mature trees, minutes from shopping and close to downtown St. Augustine and the beaches. This is a SHORT SALE.

14. 2005-09-09
    soldstatus $158,000
15. 2004-06-16
    soldstatus $128,000

ⓘ 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: $818 · $68/mo
• Projected year-2 tax: $2,241 · $187/mo
• Expected delta: +$1,423/yr (+$119/mo · 173.8%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 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: $30,007
• − Mortgage interest: −$15,124
• − Property taxes: −$818
• − Insurance: −$1,350
• − Repairs & maintenance: −$2,401
• − Management: −$2,401
• − Depreciation: −$7,855
• Taxable income: $59
• Est. tax owed @ 24.0%: −$14
• After-tax cash flow: $4,532/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): 37,291
• Household income: $73,837
• Rent vs Own: 33.2% rent · 66.8% own
• Severe rent burden: 1748.0

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 (73%)
• Race & ethnicity: White 73% Hispanic / Latino 12% Black 11% Two or more races 8%
• Hispanic origin (detail): Mexican 2% Puerto Rican 4% Cuban 1%
• Common ancestry: Lithuanian 3% Romanian 2% Slovak 2%
• Foreign-born: 6% · Canada, Jamaica
• Languages at home: 91% English-only · Spanish 6% 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: ▼ -287.02%
• Current HPI: 330.9505
• Rent YoY: ▲ 0.25%
• 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

+110.9% since first listed

15 events — show timeline

• 2026-05-11 Price Changed $270,000 realMLS
• 2026-03-28 Price Changed $275,000 realMLS
• 2026-02-10 Price Changed $292,500 realMLS
• 2026-01-07 Price Changed $295,000 realMLS
• 2025-11-26 Listed $300,000 realMLS
• 2016-05-26 Sold (Public Records) $105,000 Public Records
• 2016-05-25 Sold (MLS) $105,000 St. Augustine and St. Johns County Board of REALTORS®
• 2016-05-25 Sold (MLS) $105,000 realMLS
• 2016-03-31 Pending — realMLS
• 2015-12-19 Contingent — realMLS
• 2015-12-19 Delisted — St. Augustine and St. Johns County Board of REALTORS®
• 2015-12-17 Listed $94,900 realMLS
• 2015-12-17 Listed $94,900 St. Augustine and St. Johns County Board of REALTORS®
• 2005-09-09 Sold (Public Records) $158,000 Public Records
• 2004-06-16 Sold (Public Records) $128,000 Public Records

Property tax history

-0.1%/yr

Latest (2025): $818 · +26.0% YoY. Source: county tax records.