5650 A1A S UNIT G117, ST AUGUSTINE, FL, 32080
Active105 days on marketListed Apr 7, 2026MLS #FC317554
About this home
5650 A1A S UNIT G117
Instant Equity on Day One — Island House, St. Augustine Beach!! Here's something you don't see every day: a beach condo where the value is already going up before you unpack. Island House is currently undergoing a full exterior renovation — fresh paint and an upgrade from wooden railings to sleek aluminum throughout the complex. This $38,000 special assessment is already in motion, and the sellers are paying it in full at closing. That means you step into a freshly polished oceanfront community with zero out-of-pocket exposure. Built-in equity. No waiting. No surprises. The property delivers everything St. Augustine Beach buyers want most. Ground floor. No stairs. No elevator wait. Just walk out and go. Weekly rentals allowed. Beach access. Three private patios perfect for morning coffee, ocean breezes, and relaxing evenings. Fully furnished and ready to rent or enjoy from day one. This 2-bedroom, 2-bath residence offers a spacious open layout with a large living area, a well-equipped kitchen ready for hosting, a new water heater (2026), and a water softener — low maintenance from the moment you arrive. Island House is one of A1A's most established oceanfront communities, with a pool, tennis courts, clubhouse, and direct beach access — minutes from Historic Downtown St. Augustine, the Amphitheater, dining, and shopping. Primary residence. Vacation retreat. Income-producing STR investment. This one checks every box.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,350
Sqft
0.07 ac
Lot size
1975
Year built
One
Levels
$333
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.
$4,120 /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
$4,120/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
−45.1%
$/sqft vs St Augustine actives
$333 vs $240
Days on market
105 vs 39 typical
Where $333/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.
This home is listed 25% 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 5650 A1A S UNIT G117
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$1,377,500
6144 MIDNIGHT PASS ROAD UNIT 3N · same community
2 bd · 2 ba · 1,376 sqft · $1,001/sqft · 5 DOM
Sold · Feb ’26$625,000
6150 MIDNIGHT PASS ROAD UNIT 13 · same community
2 bd · 2 ba · 1,101 sqft · $568/sqft · 55 DOM
Sold · Feb ’26$625,000
6150 MIDNIGHT PASS ROAD UNIT 26 · same community
2 bd · 2 ba · 1,101 sqft · $568/sqft · 54 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5650 A1A S UNIT G117 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5650 A1A S UNIT G117 — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5650 A1A S UNIT G117 FAQs
What would the monthly payment be for 5650 A1A S UNIT G117?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,120/mo — principal and interest, the actual property-tax bill, the $685/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 5650 A1A S UNIT G117?+
The association fee works out to $685 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5650 A1A S UNIT G117?+
The most recent tax bill on record (2025) was $5,117. 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 5650 A1A S UNIT G117?+
The listing reports pets: Cats OK, Dogs OK. 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 $450,000, this home is listed about 2% 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 5650 A1A S UNIT G117?+
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.
The brief
Five things that matter here
01Under the ST AUGUSTINE 32080 market on paper
$450,000 is 25% below the ST AUGUSTINE 32080 median of $599,000.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Know the monthly fee
The association fee is $685/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
105 days on market against a St Augustine median of 39 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Gamble Rogers Middle School, W. Douglas Hartley Elementary, Pedro Menendez High School, Mky- Head Start /Dpp Pk School, First Coast Technical College — W. Douglas Hartley Elementary rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ONE SOTHEBYS INTERNATIONAL · Elizabeth Kelly. MLS #FC317554.
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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