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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St. Augustine — a gated community home in St. Johns County.

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Sold

Sold·Closed Oct 28, 2024·62 days on market·Recent sales in St. Augustine

160 Pantano Cay Boulevard 3201

St. Augustine, FL 32080

$585,000sold priceListed at $590,000 · 99.2% of asking$355/sqftMLS# 2040710
3
Beds
2
Baths
1,650
Sq Ft
2007
Built
1
Garage
No
Pool
HOA $668/moWaterfrontCondominium1 story

About this home

St. Augustine

How can something so peaceful & tranquil be so close to so much? Welcome to the Estuaries, the hidden gem of St. Augustine Beach. This exclusive, gated condo community is nestled between the lush, quiet serenity of the Intracoastal & the pure beauty & excitement of the Atlantic Ocean. Elegant & spacious, this second-floor end unit has everything one could imagine in a perfect condo home. This concrete block condo is the largest floorplan in the community with 10' ceilings, three large bedrooms & two bathrooms. Enjoy sunsets from the west-facing balcony, living room or master suite. The open floorplan makes living & entertaining a pleasure. An elevator & close by stairs make convenience a priority. The one-car garage has plenty of storage & the community offers boat & RV parking. Enjoy leisure time at the swimming pool & clubhouse.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,240
Property taxesest. at asking price, St. Johns County$778
HOAbilled monthly$668
Estimated total, before insurance$4,687/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$585,000
$117,000
Loan Term
Monthly Payment
$3,240
Principal & Interest: $3,240
Property taxes (est.): $778
Insurance (est.): $390
Estimated Total Monthly
$4,409
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Tile — year not disclosed (home built 2007)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,823 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Sun & Light

Southwest-facing backyard — long light and winter sunsets

The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:24 AM, sunset 6:59 PM.

  • The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
  • Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2023 property taxes (current owner): $5,395/yr

Estimated taxes if purchased at asking price: ~$9,300/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Aug 3, 2024Listed$590,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $502/sq ft; this home is listed at $358/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6100 A1A S 318, St. Augustine, FL 32080Listed by SAVVY AVENUE, LLC.Aug 2026$470,000$3962/21,186620.5
6170 A1A 215, St. Augustine, FL 32080Listed by LIGHTHOUSE REALTY ASSOCIATESAug 2026$815,000$5023/21,624760.7
6240 A1A S 316, St. Augustine, FL 32080Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEJul 2026$725,000$5192/21,39720.8
6240 A1A S 213, St. Augustine, FL 32080Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2026$720,000$5152/21,39770.8
51 Village Del Lago Circle, St. Augustine, FL 32080Listed by ENDLESS SUMMER REALTYJul 2026$532,500$4612/21,156941.6
205 Pacifica Vista Way 205, St. Augustine, FL 32080Listed by SOUTHWESTERN REAL ESTATE INCJun 2026$645,713$4832/21,3371291.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$590,000
Price / Sq Ft$358
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,650
Total Structure Area1,650 sq ft
Year Built2007
TypeResidential
Sub-TypeCondominium
StyleFlat
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontYes
Gated CommunityYes
Direction FacesNortheast

School Information

Community Information

Address160 Pantano Cay Boulevard 3201, St. Augustine, FL 32080
Area331-St Augustine Beach
SubdivisionEstuaries
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32080
Parcel Number1828473201
ZoningResidential

Amenities

AmenitiesPool, Car Wash Area, Clubhouse, Gated, Management - Off Site, RV/Boat Storage, Security, Service Elevator(s), Trash, Water
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewIntracoastal
Waterfront TypeMarsh

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Open Floorplan, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryIn Unit
SecurityFire Alarm, Fire Sprinkler System, Security Gate

Exterior

Exterior FeaturesBalcony
Patio / PorchCovered, Porch
RoofTile
ConstructionBlock, Concrete, Stucco
Road SurfaceAsphalt

Additional Information

Date ListedAugust 3, 2024
Days on Market62
HOA Fees$668 / Monthly
HOA FrequencyMonthly
Tax Amount$5,394.94
Tax Year2023
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOME SERVICES FLORIDA NETWORK

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 28, 2024. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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