CENTURY 21 Edge
$699,0003 bd2 ba1,612 sqft$434 /sqft≈$5,101 /mo all-in ↓

13585 COUNTY ROAD 13 N, ST AUGUSTINE, FL, 32092

Active3 days on marketListed Nov 3, 2026MLS #FC322530

Single Family ResidenceROWANDS ADDITION

About this home

13585 COUNTY ROAD 13 N

Riverfront Serenity Awaits – Your St. Augustine Sanctuary. Imagine waking to the gentle flow of the river, your private boat dock beckoning for a day of adventure. This charming 3-bedroom, 2-bathroom home at 13585 County Rd 13 N, St. Augustine, FL, offers more than just a house, it's a lifestyle. Serene river views paint a tranquil backdrop to your daily life, while the interior provides a haven of comfort and ease. Boating enthusiasts will appreciate the private dock featuring a fully operational dual boat lift, making it effortless to enjoy life on the water. Just a short stroll away, Riverdale Park invites you to enjoy sunny picnics and outdoor recreation, extending your waterfront playground. Conveniently located just 30 minutes from Historic Downtown St. Augustine and the area's beautiful beaches, you'll enjoy the perfect balance of peaceful riverfront living and easy access to shopping, dining, entertainment, and coastal attractions. This is your chance to embrace the peaceful rhythm of riverside living, where relaxation and adventure flow seamlessly together.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,612

Sqft

0.16 ac

Lot size

1963

Year built

One

Levels

$434

Per sqft

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Dryer · Range · Refrigerator · Washer
InteriorCeiling Fan(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionBlock · Wood Frame
FoundationSlab
FacesSoutheast
ExteriorPrivate Mailbox

Community & fees

Taxes (2025)$3,362/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,101 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$4,399
PMI (est., until 20% equity)$262
Property tax — 2025 actual bill$280
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $69,900Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $69,900
Interest rate7.50%
Loan term

Estimated payment

$5,101/mo

Principal & interest$4,399
PMI (est., until 20% equity)$262
Property taxes (actual bill)$280
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

$/sqft vs St Augustine actives

$434 vs $237

Days on market

3 vs 44 typical

Where $434/sqft sits among the 199 St Augustine actives

119
28
13
13 · this home
10
16
$191–259$259–326$326–393$393–461$461–528$528+

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 32092 — neighborhood snapshot

Population

48,288

Median age

41.4

Median income

$122,655

Median home value

$464,800

Avg household

2.87

Households w/ children

6,787

For the school run

St. Johns County School District

HighFirst Coast Technical College
HighSt. Augustine High School★★★★★
Mky- Head Start /Dpp Pk School

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Augustine market

Seller’s marketLeans seller — 3.1 months of inventoryBuyer’s market

$384K → $426K

St Augustine median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

92 of 199

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 47% above the ST AUGUSTINE 32092 median. See the full St Augustine market guide →

Paper trail

This home's history

Nov 3, 2026Listed at $699,000 · 3 days on market since
1963Built · ROWANDS ADDITION

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.

Anealya Hammad

Your agent

Anealya Hammad

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 13585 COUNTY ROAD 13 N — start here.

CallText
anealya.hammad@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 13585 COUNTY ROAD 13 N — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

13585 COUNTY ROAD 13 N FAQs

What would the monthly payment be for 13585 COUNTY ROAD 13 N?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,101/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 13585 COUNTY ROAD 13 N?+

The most recent tax bill on record (2025) was $3,362. 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 $699,000, this home is listed about 53% 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 13585 COUNTY ROAD 13 N?+

First Coast Technical College (high), St. Augustine High School (high), Mky- Head Start /Dpp Pk School () — St. Johns County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$699,000 runs 47% above the ST AUGUSTINE 32092 median.

02Fresh on the market

Only 3 days on market in a St Augustine market that averages 44 — if it fits, move quickly.

03Strong assigned schools

First Coast Technical College, St. Augustine High School, Mky- Head Start /Dpp Pk School — St. Augustine High School rates 4 of 5. Always verify assignments with the district.

Keep looking

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Listing courtesy of CENTURY 21 ST. AUGUSTINE PROPE · Dirk Schroeder. MLS #FC322530.

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