St Augustine

It depends heavily on which part of St Augustine. Historic Downtown and Lincolnville generally run $400K to $1.5M+, Anastasia Island and St Augustine Beach $500K to $1.5M+, Nocatee $450K to $1.2M+, World Golf Village $300K to $1M+, Palencia $450K to $1.1M+, Shearwater $400K to $1M+, and the CR 210 corridor $350K to $1M+. These are 2026 market bands rather than medians, and the spread within World Golf Village and the 210 corridor in particular is very wide.

A Community Development District assessment repays the infrastructure that built a master-planned community, and it is collected annually on your property tax bill separately from HOA dues. Approximate 2025-26 ranges: Nocatee (Tolomato CDD) about $1,750 to $3,400 a year, Palencia about $3,000 to $4,930, and Shearwater (Trout Creek CDD) about $2,300 to $2,900. World Golf Village varies by neighborhood and several have no CDD at all. Always confirm the figure for the specific property, since it varies by village, bond series and lot.

A large share of St Johns County sits in a designated floodplain. Homes east of the Intracoastal Waterway, including much of Anastasia Island and the historic waterfront areas, commonly fall into AE or VE flood zones where a mortgage lender will require flood insurance. Standard homeowners policies do not cover flood damage, so it is a separate policy. Check the flood zone for any specific address before making an offer.

Premiums are highly property-specific, driven by elevation, first-floor height, foundation type, replacement cost, distance to water and prior claims. As a budgeting range only: Zone X roughly $500 to $1,200 a year, Zone AE roughly $1,500 to $4,000 or more, and Zone VE coastal high-hazard from $3,000 to $10,000 or more, with oceanfront properties running higher. Two homes at the same price on opposite sides of the Intracoastal can differ by several thousand dollars a year in carrying cost.

Downtown St Augustine to downtown Jacksonville is roughly 40 to 45 minutes off-peak and 50 to 65 minutes or more during rush hour. Nocatee runs about 30 to 40 minutes off-peak, World Golf Village 35 to 45, and the CR 210 corridor 30 to 45. Getting off Anastasia Island is a separate consideration: St Augustine Beach to I-95 takes 15 to 25 minutes off-peak but considerably longer at peak times and during tourist season.

St Johns County consistently ranks among the top public school districts in Florida, and it is the main reason many families choose the inland master-planned communities. Assignment follows attendance boundaries rather than community names, and boundaries shift as new schools open to absorb growth, so two homes in the same subdivision can be zoned differently. Confirm the assignment for a specific address before making an offer.

There are really three distinct areas. The historic city (Downtown, Lincolnville, Davis Shores, Uptown) offers walkability and character but carries the highest flood exposure and daily tourist traffic. The beach corridor (Anastasia Island, St Augustine Beach, Vilano Beach) puts you on a barrier island with the highest insurance costs and a bridge between you and everything else. St Johns County's planned communities (Nocatee, Palencia, World Golf Village, Shearwater, the 210 corridor) offer newer construction, top-rated schools and minimal flood risk, but are car-dependent and usually carry a CDD assessment.