See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

165 TOLEDO Street, Saint Augustine, FL, 32086

2beds
2baths
1,128sqft
$315,000
$279price/sqft
$2,305/moest. monthly cost
$92,200/yrincome needed

About This Home

We invite you to come see this incredible home with modern finishes and upscale features. This open floor plan house features a fusion of indoor and outdoor spaces. The heart of this home is the open kitchen with fabulous finishes and stainless steel appliances. The rooms flow easily with warm vinyl flooring and seamlessly integrate a generous family room and a breakfast nook. Two gracious bedrooms, each with their own luxe upscale finishes allow flexibility of living. Connecting the living areas of the house with the garage is a lovely breezeway blending the line between indoor and outdoor areas. This multi-seasonal room connects the home with the exterior and the generous fenced back yard. Come see this quiet neighborhood with community amenities including pool, clubhouse, tennis and a golf course. Incredible enclave in St Augustine with parks and trails while being convenient to shopping and dining. Downtown St Aug and the Beaches are just a short drive away. Newer roof, AC and HWH

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

6/10
5/10

Construction

Condition

  • Year built: 1975

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Refrigerator

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 1,128 sqft

Property

Details

  • Parcel number: 2701330020

Features

  • Stories: 1

Lot

  • Lot size: 6,534 sqft

Parking

  • Total spaces: 1
  • Parking features: Additional Parking,Garage,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

  • Lightning
    LightningRelatively High
  • Hurricane
    HurricaneModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Hurricane
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 $1,592$19,104
Home Insurance *$239$2,868
Property Taxes $277$3,324
Electricity $197$2,366
Total$2,305$27,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,028/yr
40% on housing$69,150/yr
45% on housing$61,466/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

$279This listing

vs Other Active Listings

Avg $/sqft

ZIP 32086$205
St. Johns County$292

vs Homes Sold Last Month

Median $/sqft

ZIP 32086$230
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
2026-08-07Price change$309,900
2026-07-10Listed for sale$315,000
2026-03-16Sold$175,000
2026-02-25Pending sale$220,000
2026-02-20Listed for sale$220,000

For Sale by Agent

AgentWENDI ALLEN
BrokerageRED DOOR REALTY GROUP, INC

Similar Homes