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22 Islander Cir, Saint Augustine, FL, 32080

2beds
3baths
1,295sqft
$368,000
$284price/sqft
$2,731/moest. monthly cost
$109,240/yrincome needed

About This Home

Key West-inspired elegance meets effortless Florida living in this beautifully appointed end-unit townhome in the desirable Islander community of St. Augustine. The only building in Islander with just 2 townhomes. Offering 2 bedrooms, 2.5 baths, and 1,295 square feet of thoughtfully designed living space, this residence blends coastal charm with modern comfort. A light-filled interior welcomes you with a beach-inspired color palette, plantation shutters, and tile flooring throughout the first level. The recently updated kitchen features granite countertops, a central island, walk-in pantry, and appliances replaced approximately six years ago—perfectly positioned for everyday living and entertaining. A cozy electric fireplace and coral-inspired chandelier add a distinctive designer touch. Also, a convenient first floor powder room. Upstairs, a spacious loft provides flexible living ideal for a home office, studio, or lounge along with two bedrooms and 2 full baths. The primary suite enjoys serene pond views, while the guest bedroom opens to a private balcony overlooking the community pool. Each bedroom has it's own full bath. A generous laundry room with cabinetry and pedestal washer/dryer rounds out the second floor. Outdoor living shines with a tiled rear patio overlooking tranquil water views, expanded paver driveway, and a one-car garage with screened enclosure. Located across from the community pool and surrounded by lush, low-maintenance landscaping maintained by the HOA ($282/month), this home delivers a truly stress-free lifestyle. Located in flood zone X. Hurricane shutters included. Just minutes from St. Augustine Beach, the St. Augustine Amphitheatre, and the vibrant St. Augustine Farmers Market, this location offers the perfect blend of coastal relaxation and cultural convenience.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
60
BikeBikeable

Schools

10/10
7/10
Sebastian Middle SchoolGrades 6-84.8 mi
6/10
St. Augustine High SchoolGrades 8-125.4 mi

Construction

Condition

  • Year built: 2012

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Frame,Stucco,Concrete Fiber Board

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Refrigerator,Washer/Dryer

Bedroom2

  • Area: 100

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Combo
  • Area: 110

Features

  • Ceiling Fan(s),Chandelier
  • Window features: Window Treatments
  • Flooring: Carpet,Tile
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Heat Pump,Fireplace(s)
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,295
  • Total interior livable area: 1,295 sqft

Kitchen

  • Area: 70

Living Room

  • Area: 143

Master Bathroom

  • Features: Shower Only

Master Bedroom

  • Level: Second
  • Area: 121

Office

  • Area: 208

Property

Details

  • Parcel number: 1619780340
  • Zoning: PUD

Features

  • Levels: 2 Story,Split
  • Stories: 2
  • Entry location: Ground Level
  • Patio & porch: Patio,Porch,2nd Porch
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Pond

Lot

  • Lot size: 4,356 sqft
  • Features: Suburban,Less than 1/4 Acre

Parking

  • Total spaces: 1
  • Parking features: 1 Car Garage,Guest,Off Street,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Tornado
Heat Wave
Inland Flooding
Wildfire
Tsunami

FEMA Declared Disasters in St. Johns County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,860$22,320
Home Insurance *$289$3,468
Property Taxes $385$4,620
Electricity $197$2,366
Total$2,731$32,772
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,634/yr
40% on housing$81,930/yr
45% on housing$72,826/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.7%
13.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$284This listing

vs Other Active Listings

Avg $/sqft

ZIP 32080$344
St. Johns County$292

vs Homes Sold Last Month

Median $/sqft

ZIP 32080$356
St. Johns County$239

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-08Listed for sale$368,000
2014-12-08Sold$178,000
2014-10-24Listed for sale$185,000
2012-07-26Sold$162,000

For Sale by Agent

AgentDeborah Richards
BrokerageWatson Realty Corp (A1A)

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