$495,000
18 OCEAN Avenue, St. Augustine, FL 32084
Williams Addition
- Price
- $495,000
- Beds / Baths
- 2 / 3
- Living area
- 1,408 sqft
- Year built
- 1975
- Type
- Residential
- Lot
- 0.11 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- St. Johns
- Days on market
- 76
$352/sqft asking, vs a $214/sqft median across 1,001 closed sales in 32084 over the last 12 months — 64% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Tucked between historic downtown St. Augustine and the beaches of Vilano, this rare coastal property offers unmatched flexibility, lifestyle, and value in the 32084 zip code. The Layout & Potential Dual Primary Suites: Split floor plan with two private en-suite bedrooms plus a guest half-bath on the main level--ideal for multi-generational living, rental privacy, or a flexible beach getaway. Equity Opportunity: Solid 1,408 sq ft bones ready for your custom aesthetic touches. Customize your dream finishes while stepping into immediate instant sweat equity. Outdoor Coastal Living: Mature shade trees, classic brick walkways, a private lounging deck, and dedicated exterior storage for beach and water gear. Location & Financing Highlights Minutes to the Intracoastal Waterway, Vilano Beach boat ramps, and downtown dining. No strict HOA restrictions--bring your boat or beach toys.
What to check on this one
- Verify exact flood zone designation and elevation certificate requirement for 32084.
- Get roof inspection report—1975 home may challenge insurability past 15-20 years.
- Confirm cast-iron or polybutylene plumbing present; estimate replacement cost if needed.
- Request 4-point inspection and wind-mitigation assessment for insurer requirements.
- Clarify short-term rental eligibility and any county/city restrictions on dual-suite setup.
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
Loan $396,000 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 KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE. Data via realMLS (Northeast Florida MLS), updated Sep 3, 2026, 1:50 AM.
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