4 OCEAN TRACE ROAD UNIT 104, ST AUGUSTINE, FL, 32080
Active39 days on marketListed Jun 11, 2026MLS #GC540990
About this home
4 OCEAN TRACE ROAD UNIT 104
Experience effortless beachside living in this beautifully renovated, turnkey 2-bedroom, 2-bathroom condominium in the highly desirable St. Augustine Beach & Tennis Club. Conveniently located on the ground floor, this exceptional residence offers easy access with no stairs, no elevator waiting, and open parking just steps from your door. Every detail has been thoughtfully updated, creating a move-in-ready coastal retreat. The stunning kitchen features solid wood white cabinetry, elegant white quartz countertops and matching backsplash, premium stainless steel Bosch appliances, and abundant storage. Additional upgrades include a commercial-grade washer and dryer, whole-home water filtration system, tankless water heater, and luxury vinyl plank flooring throughout—completely carpet-free for easy maintenance and modern style. The spacious primary suite offers a private en-suite bathroom highlighted by an oversized walk-in shower and blackout blinds for ultimate comfort and relaxation. Plantation shutters throughout the home add timeless coastal charm and privacy. Step outside to your screened-in back porch overlooking a beautifully landscaped courtyard, the perfect place to enjoy your morning coffee or unwind after a day at the beach. St. Augustine Beach & Tennis Club offers an exceptional resort-style lifestyle with two community pools, a private beach walkover with coded gate access, open parking with permits, boat parking availability, and a pet-friendly atmosphere. Investors will appreciate the short-term rental opportunity with a minimum five-night stay requirement. The community is active and welcoming, with numerous social activities and gatherings throughout the year. Plus, all SIRS and Milestone Inspection requirements have been completed, providing added confidence and peace of mind for future owners. The association fee includes water, high-speed internet, and cable tv package. Just stroll across the boardwalk to the pristine sands of St. Augustine Beach and the sparkling Atlantic Ocean. Whether you're seeking a primary residence, vacation getaway, or income-producing investment property, this beautifully updated condo offers the best of Florida coastal living—simply move in and start enjoying the beach lifestyle. List agent is part owner.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,129
Sqft
0.84 ac
Lot size
1976
Year built
One
Levels
$531
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 and the real association fee — not generic estimates.
$4,764 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,764/mo
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.
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
+30.2%
$/sqft vs St Augustine actives
$531 vs $240
Days on market
39 vs 39 typical
Where $531/sqft sits among the 178 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
21,368
Median age
58.3
Median income
$91,201
Median home value
$497,500
Avg household
2.06
Households w/ children
1,323
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)
73 of 178
St Augustine actives have cut their price
Median sold price, St Augustine, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 4 OCEAN TRACE ROAD UNIT 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$455,000
1733 SEA FAIR DRIVE UNIT 12125
2 bd · 2 ba · 1,104 sqft · $412/sqft · 20 DOM
Sold · Apr ’26$455,000
1733 SEA FAIR DRIVE UNIT 14244
2 bd · 2.5 ba · 1,057 sqft · $430/sqft · 108 DOM
Sold · Aug ’25$460,000
4250 A1A UNIT P18
2 bd · 2 ba · 1,044 sqft · $441/sqft · 0 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4 OCEAN TRACE ROAD UNIT 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4 OCEAN TRACE ROAD UNIT 104 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4 OCEAN TRACE ROAD UNIT 104 FAQs
What would the monthly payment be for 4 OCEAN TRACE ROAD UNIT 104?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,764/mo — principal and interest, the actual property-tax bill, the $676/mo association fee 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.
How much are the HOA fees at 4 OCEAN TRACE ROAD UNIT 104?+
The association fee works out to $676 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4 OCEAN TRACE ROAD UNIT 104?+
The most recent tax bill on record (2025) was $5,583. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4 OCEAN TRACE ROAD UNIT 104?+
The listing reports pets: Number Limit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Augustine?+
At $600,000, this home is listed about 36% above the St Augustine median of $439,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4 OCEAN TRACE ROAD UNIT 104?+
Gamble Rogers Middle School (middle), W. Douglas Hartley Elementary (elementary), Pedro Menendez High School (high), Mky- Head Start /Dpp Pk School (), First Coast Technical College (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 FLORIDA HOMES REALTY & MORTGAG · Debra Revennaugh. MLS #GC540990.
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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