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4670 A1A S S #1112, Saint Augustine, FL, 32080

3beds
2baths
1,080sqft
$620,000
$574price/sqft
$4,206/moest. monthly cost
$168,240/yrincome needed

About This Home

Experience coastal living at its finest in this ground-floor 3-bedroom, 2-bathroom condo at the highly sought-after Colony Reef Club. Perfectly positioned with ocean views and overlooking the beautifully landscaped courtyard, this unit offers the ideal combination of comfort, convenience, and resort-style living. Currently utilized as both a second home and a successful vacation rental, the property provides excellent flexibility for personal enjoyment or income potential. The ground-floor location offers easy access and effortless indoor-outdoor living. Colony Reef Club is known for its outstanding amenities designed for relaxation and recreation. Residents and guests enjoy a large outdoor pool, kiddie pool, hot tub, and direct beach access just steps away. The community also features tennis courts, pickleball courts, racquetball, basketball, a fitness center, sauna, and an indoor heated pool. Additional conveniences include a gated entrance, elevators in all oceanview buildings, and a spacious community room for gatherings and events. Whether you're searching for a beachfront retreat, an investment opportunity, or both, this Colony Reef Club condo offers the best of St. Augustine beach living.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

5/10
5/10

Construction

Condition

  • Year built: 1985

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Disposal,Dryer,Electric Cooktop,Electric Oven,Electric Range,Electric Water Heater,Freezer,Microwave,Refrigerator,Washer,Washer/Dryer Stacked

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,080 sqft

Property

Details

  • Parcel number: 1758810112
  • Attached to another structure: Yes

Features

  • Stories: 1
  • On waterfront: Yes
  • Waterfront features: Beach Access,Ocean Access,Ocean Front

Parking

  • Parking features: Additional Parking,Parking Lot,RV Access/Parking,Secured

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

  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
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 $3,135$37,620
Home Insurance *$487$5,844
Property Taxes $387$4,644
Electricity $197$2,366
Total$4,206$50,472
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$144,205/yr
40% on housing$126,180/yr
45% on housing$112,160/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

$574This listing

vs Other Active Listings

Avg $/sqft

ZIP 32080$342
St. Johns County$291

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
2026-03-16Listed for sale$665,000

For Sale by Agent

AgentCHARLES LAWRENCE
BrokerageLIGHTHOUSE REALTY ASSOCIATES

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