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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$1,950,000

4 VIEJO Street, St. Augustine, FL 32084

Vilano Beach

Price
$1,950,000
Beds / Baths
4 / 4
Living area
2,510 sqft
Year built
1987
Type
Residential
Lot
0.2 ac
Garage
3
HOA
None
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
91

Highly elevated, this Direct Ocean Front home offers expansive views overlooking the ocean, inlet AND downtown St Augustine. Stunning cathedral ceilings and floor to ceiling windows offer breathtaking views of the Atlantic. A fully renovated white kitchen opens to the living and dining room and offers views to the north and east. The spacious master opens to a 2nd story roof top deck with unmatched views of the inlet and downtown St Augustine. Passing boats are an alluring vision... And there is no better spot to enjoy the 4th of July fireworks. Upstairs, a 2nd master suite and an office loft will make working from home a pleasure. On the bottom floor there is separate in law suite with 2 bedrooms, a kitchenette and bonus room. A multitude of decks offering 360degree views make this home truly special. 3 Car Garage! Short term rentals allowed.

What to check on this one

  • Confirm flood zone designation and obtain elevation certificate for mortgage/insurance.
  • Request 4-point inspection and wind-mitigation report—1987 home may affect insurability.
  • Verify roof age/condition; NE Florida insurers often deny coverage past 15–20 years.
  • Get short-term rental lease restrictions in writing from city/county; confirm operational compliance.
  • Review plumbing materials (polybutylene/cast-iron common in 1987); budget for replacement if present.
  • Confirm all renovation permits pulled and final inspections signed off by St. Johns County.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$10,118/mo
Property tax (1.1% eff., St. Johns Co.)$1,788/mo
Homeowners insurance (est.)$1,138/mo
All-in monthly (est.)$13,044/mo

Loan $1,560,000 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 ENGEL & VOLKERS ST AUGUSTINE. Data via realMLS (Northeast Florida MLS), updated Aug 30, 2026, 2:56 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.