Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$348,900

3960 S A1A 902, St. Augustine, FL 32080

St Augustine Beach & Tenn

Price
$348,900
Beds / Baths
2 / 2
Living area
1,136 sqft
Year built
1980
Type
Townhouse
Lot
0.02 ac
Garage
0
HOA
$486/mo
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
148
Elementary
W. D. Hartley
Middle
Gamble Rogers
High school
Pedro Menendez

$307/sqft asking, vs a $260/sqft median across 12 closed sales in 32080 over the last 12 months — 18% above the area's closed prices. Condition and lot vary; that's what a showing is for.

This fully furnished, turnkey 2-bedroom, 2-bathroom villa in a gated St. Augustine Beach community is the kind of property that just makes sense -- whether you're looking for a primary residence, a vacation escape, or an income-producing rental, it's already set up to deliver. The floor plan is well thought out, with kitchen, dining, and living flowing together on the main level and opening out to a screened patio that catches plenty of sun and earns its place as the best seat in the house -- quiet mornings, easy evenings, good company when you want it.Both bedrooms and bathrooms are tucked upstairs, creating a natural separation between living and sleeping that just works. Recent updates include a full replumb and new water heater, so the bones are solid and the big items are already handled. Residents enjoy a heated community pool and a private beach walkover just steps away, and with short-term rentals welcome, this one appeals equally to investors and part-time owners alike. Concrete block construction and Flood Zone X keep the practical boxes checked. Fully furnished and ready to go -- the hard part is already done.

What this home really costs per month

Principal & interest$1,810/mo
Property tax (1.1% eff., St. Johns Co.)$320/mo
Homeowners insurance (est.)$292/mo
HOA$486/mo
All-in monthly (est.)$2,908/mo

Loan $279,120 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of THE NEWCOMER GROUP. Data via realMLS (Northeast Florida MLS), updated Aug 17, 2026, 3:21 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.