5466 4TH STREET, ST AUGUSTINE, FL, 32080
Active81 days on marketListed Aug 17, 2026MLS #FC320744
Come see it
Upcoming open house
Sat, Nov 7
10:00 AM – 12:00 PM
About this home
5466 4TH STREET
Welcome to the perfect beach house! Just STEPS from the beach and close to a nearby boat ramp, this beautifully maintained 3-bedroom, 2-bath home offers the perfect combination of coastal living, comfort, and versatility. Elevated on durable CONCRETE COLUMNS, the home also features an enclosed, air-conditioned bonus/man cave area—ideal for entertaining, hobbies, a home gym, or extra recreational space. Inside, you’ll love the bright, open layout with tall ceilings, an abundance of natural light, and BRAND-NEW FLOORING throughout. This home has been meticulously cared for, exceptionally clean, and is truly move-in ready! Major updates include a NEW ROOF in 2025, NEW ELECTRICAL PANEL in 2025, newer TOP-QUALITY VINYL SIDING, and storm-resistant glass windows and doors backed by a LIFETIME GUARANTEE—providing added durability, protection, and peace of mind. Outdoor living is a highlight with TWO raised decks, TWO carports, and a spacious backyard with a NEW fully fenced yard completed in 2024—perfect for pets, entertaining, or simply relaxing after a day at the beach. Located in a great beach neighborhood with easy access to the sand, surf, and boating, this property offers the coastal lifestyle you’ve been looking for. Whether you’re searching for a primary residence, second home, or a property with potential as a short-term vacation rental, this one checks all the boxes. Beach, boating, outdoor space, quality upgrades, and plenty of room to entertain—all wrapped into one fantastic beach home!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,280
Sqft
0.19 ac
Lot size
1989
Year built
Two
Levels
$430
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.
$4,614 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$4,614/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−28%
$/sqft vs St Augustine actives
$430 vs $239
Days on market
81 vs 44 typical
Where $430/sqft sits among the 180 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 32080 — neighborhood snapshot
Population
20,894
Median age
59.4
Median income
$92,531
Median home value
$535,800
Avg household
2.03
Households w/ children
1,241
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
$384K → $426K
St Augustine median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
86 of 180
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 4% below the ST AUGUSTINE 32080 median. See the full St Augustine market guide →
Paper trail
This home's history
Reality check
What actually sold near 5466 4TH STREET
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$395,000
5460 4TH STREET · same community
3 bd · 2 ba · 1,256 sqft · $314/sqft · 74 DOM
Sold · Jun ’26$468,000
5467 1ST STREET · same community
3 bd · 2 ba · 1,180 sqft · $397/sqft · 83 DOM
Sold · Sep ’26$495,000
5448 3RD STREET · same community
3 bd · 2 ba · 1,502 sqft · $330/sqft · 7 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 5466 4TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5466 4TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5466 4TH STREET FAQs
What would the monthly payment be for 5466 4TH STREET?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,614/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 5466 4TH STREET?+
The most recent tax bill on record (2025) was $5,228. 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 $549,900, this home is listed about 20% above the St Augustine median of $457,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5466 4TH STREET?+
R. B. Hunt Elementary School (elementary), Mky- Head Start /Dpp Pk School (), Sebastian Middle School (middle), St. Augustine High School (high), First Coast Technical College (high) — St. Johns County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST AUGUSTINE 32080 market on paper
$549,900 is 4% below the ST AUGUSTINE 32080 median of $572,000.
02Strong assigned schools
R. B. Hunt Elementary School, Mky- Head Start /Dpp Pk School, Sebastian Middle School, St. Augustine High School, First Coast Technical College — R. B. Hunt Elementary School rates 5 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $599,900, now $549,900 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LIGHTHOUSE REALTY ASSOCIATES, · Karen Lindsey. MLS #FC320744.
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.
Never miss a listing
New St Augustine homes, in your inbox
Like 5466 4TH STREET but not quite? A daily digest of every new listing in St Augustine — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Chad to ping you on any price or status change →