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List Price

$269,990

134 Shores, St Augustine, FL 32086

12 days on market

Estimated Payment

$1,973/mo

20% down and current market rates

Bedrooms3 bdBathrooms1 baLiving area1,180 Square FeetYear builtBuilt 1973

Listed by

Scott Dustin

DJ & LINDSEY REAL ESTATE

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

Welcome to this beautifully updated 3 bedroom home with a spacious flex room offering endless possibilities. Thoughtfully refreshed with brand-new quartz countertops, LVP flooring throughout, an updated bathroom vanity, fresh interior paint, and new window coverings, this home is truly move-in ready. Major systems were replaced in 2022, including the roof, HVAC, water heater, and whole-home plumbing, offering valuable peace of mind for the next owner. Situated on a fenced lot near the entrance of The Shores, this home puts everyday convenience right at your fingertips. Shops, restaurants, and Publix are all within walking distance, while residents enjoy an array of community amenities including scenic walking trails, sidewalks, underground utilities, a fishing pier, clubhouse, pool, golf course, tennis courts, and available RV/boat parking. With a low HOA, no CDD fees, and both pristine beaches and Historic Downtown St. Augustine just 10 minutes away, this is an opportunity to enjoy the best of coastal living in a home that is updated, convenient, and ready to be enjoyed. Come see why this home deserves a spot at the top of your list!

134 Shores, St Augustine, FL 32086 in St Augustine, FL 32086 is listed for $269,990. The home has 3 bedrooms, 1 bathroom, and 1,180 square feet, and was built in 1973. Listed 12 days ago. The listing is held by DJ & LINDSEY REAL ESTATE.

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$3,283 (tax year 2025)
HOA fee$33 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on today's published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $53,998

$

$1,973/moest.

  • Principal & Interest 73%
  • Property Taxes 14%
  • Insurance 11%
  • HOA 2%
Principal & Interest
$1,441
Property Taxesfrom listing
$274
Insurance
$225
HOA
$33

30-year fixed at 7.03%, as of September 24, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 2026. Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $1,973, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $3,283 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Sep 26, 2026 6:01 AM ET through Sep 27, 2026 6:01 AM ET. MLS# MFR805248009. HomeJam is not the listing broker.

List Price

$269,990

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