Taxes & Insurance in St. Augustine Beach
St. Augustine Beach sits in St. Johns County, and its direct coastal location makes homeowners and flood insurance the single most important cost variable here -- more so than in either Nocatee or Fleming Island.
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Learn moreSt. Johns County property tax -- not independently re-verified to a precise millage in this pass
St. Augustine Beach's base record does not carry an independently verified effective property tax rate -- confirm the current millage with the St. Johns County Property Appraiser for any specific address. As a separately incorporated municipality, St. Augustine Beach may also levy its own municipal millage on top of the county rate; confirm both directly.
The 2026 homestead exemption, and a possible additional exemption for senior residents
Florida's homestead exemption for 2026 is $51,411, up from $50,722 in 2025, and enrolls a primary residence in the Save Our Homes assessed-value growth cap. Florida also allows counties to adopt an additional homestead exemption for long-term residents 65 and older who meet income limits, of up to an additional $50,000, under Florida Statute 196.075 -- confirm whether St. Johns County has adopted this additional senior exemption and its current income threshold directly with the county, since adoption and thresholds vary by county and year.
Homeowners and flood insurance are the headline cost here, given direct coastal exposure
Statewide Florida homeowners insurance estimates for 2026 disagree sharply by source, ranging roughly $3,757-$10,384/year depending on coverage and methodology, and Florida remains the most expensive state in the country for homeowners insurance. Because St. Augustine Beach sits directly on the Atlantic coastline, wind and flood coverage here carry real, address-specific premiums well above an inland St. Johns County property -- get a current, address-specific quote (including separate flood insurance through the NFIP or a private carrier) rather than relying on any statewide average.
Sales tax isn't independently re-verified in this pass
Florida's state sales tax rate is 6%; St. Johns County may add its own discretionary surtax on top of that base rate. This pass doesn't independently re-verify the county's current surtax rate -- confirm the combined rate directly with the Florida Department of Revenue or St. Johns County before treating any figure as final.
Key takeaways
- St. Johns County property tax applies, plus a possible separate St. Augustine Beach municipal millage -- confirm both current rates with the county Property Appraiser and city before buying.
- The 2026 Florida homestead exemption is $51,411; a further additional exemption of up to $50,000 may be available for qualifying residents 65+ under Florida Statute 196.075 -- confirm St. Johns County's adoption and income threshold directly.
- Statewide FL homeowners insurance estimates for 2026 range roughly $3,757-$10,384+/year, and St. Augustine Beach's direct Atlantic-coastline location means wind and flood premiums here run above an inland St. Johns County property.
- Get a current, address-specific insurance quote (including separate flood coverage) rather than relying on any statewide average, given the coastal exposure here.
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