110 OSPREY ROAD, ST AUGUSTINE, FL, 32086
Active32 days on marketListed Jun 11, 2026MLS #FC318856
About this home
110 OSPREY ROAD
Welcome to 110 Osprey Rd, a fully renovated coastal retreat in the highly desirable Saint Augustine South community. This move-in ready 3-bedroom, 2-bath home offers 1,385 sq. ft. of beautifully updated living space, a 2-car garage, and a screened porch, all just minutes from Historic Downtown St. Augustine and the beaches. **Showings will take place July 11th - 24th** Major upgrades provide peace of mind, including a 2022 roof, 2020 HVAC system with new ductwork, 2022 replumbing, new septic system and drain field, hybrid water heater, solar attic vents, updated vinyl siding, and fresh landscaping completed in 2026. The stunning 2022 interior renovation features a remodeled kitchen with quartz countertops, updated bathrooms, luxury vinyl plank flooring throughout, fresh paint, modern lighting, and a bright coastal design that makes this home truly turnkey. Saint Augustine South is a popular waterfront community offering two boat ramps, a at the end of the road park, playground, Tennis and Basketball Courts, community center, and easy access to the Intracoastal Waterway. Enjoy the benefits of no mandatory HOA, no CDD fees, voluntary community membership, and Flood Zone X (no flood insurance required). Short-term rentals are allowed, making this an excellent primary residence, vacation home, or investment property. Conveniently located near St. Augustine Beach, Butler Beach, Crescent Beach, shopping, dining, and everything America's oldest city has to offer.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,385
Sqft
0.18 ac
Lot size
2
Garage
1988
Year built
One
Levels
$303
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,945 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,945/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+10.3%
$/sqft vs St Augustine actives
$303 vs $244
Days on market
32 vs 39 typical
Where $303/sqft sits among the 179 St Augustine actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Augustine
Get to know St Augustine. See the full St Augustine guide →
ST AUGUSTINE 32086 — neighborhood snapshot
Population
34,347
Median age
50.2
Median income
$74,508
Median home value
$342,000
Avg household
2.41
Households w/ children
3,407
For the school run
St. Johns County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Augustine market
$450K → $400K
St Augustine median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
75 of 179
St Augustine actives have cut their price
Median sold price, St Augustine, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% above the ST AUGUSTINE 32086 median. See the full St Augustine market guide →
Paper trail
This home's history
Reality check
What actually sold near 110 OSPREY ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$246,750
202 GERONA ROAD · same community
3 bd · 2 ba · 1,320 sqft · $187/sqft · 16 DOM
Sold · Jun ’26$425,000
345 ORCHIS ROAD · same community
3 bd · 2 ba · 1,223 sqft · $348/sqft · 28 DOM
Sold · Jan ’26$307,300
207 WARBLER ROAD · same community
2 bd · 2 ba · 1,152 sqft · $267/sqft · 100 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 110 OSPREY ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 110 OSPREY ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
110 OSPREY ROAD FAQs
What would the monthly payment be for 110 OSPREY ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,945/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 110 OSPREY ROAD?+
The most recent tax bill on record (2025) was $1,598. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Augustine?+
At $419,000, this home is listed about 5% below the St Augustine median of $439,900. The market section on this page shows how the area is trending.
Which schools are assigned to 110 OSPREY ROAD?+
Osceola Elementary School (elementary), R J Murray Middle School (middle), Mky- Head Start /Dpp Pk School (), First Coast Technical College (high), Pedro Menendez High School (high) — St. Johns County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of ONE SOTHEBYS INTERNATIONAL · Elizabeth Kelly. MLS #FC318856.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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