This home is in St. Augustine — a home near St. Augustine High School.
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Sold·Closed Sep 26, 2025·282 days on market·Recent sales in St. Augustine
3117 Harbor Drive
St. Augustine, FL 32084
About this home
St. Augustine
Florida dreams come true at this 2-bedroom, 2-bath condo nestled in the heart of St. Augustine with breathtaking views of the marina, Intracoastal Waterway, and serene marshes. Ceramic tile floors throughout and captivating water views from both bedrooms. Walk-in closet and high ceilings in primary bedroom. Granite counter tops, with tumbled marble backsplashes offer durable beauty. Step out onto your private balcony to watch manatees play in the marina below, or take a short stroll to historic downtown St. Augustine, or Vilano Beach both just minutes away.The spacious in-suite laundry adds convenience, making this waterfront retreat perfect for those seeking both comfort and coastal charm.
Next steps in St. Augustine
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 1983)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,720 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 homeThis 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
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:24 AM, sunset 6:59 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The front of the home carries the hot western afternoon instead of your living space.
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): $4,615/yr
Estimated taxes if purchased at asking price: ~$8,000/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
- Oct 22, 2024Listed$540,000
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 $276/sq ft; this home is listed at $380/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3115 Harbor Drive 115, St. Augustine, FL 32084Listed by RE/MAX UNLIMITED | Aug 2026 | $480,000 | $276 | 2/2 | 1,737 | 113 | 0.2 |
| 1080 Bella Vista Boulevard 13-122, St. Augustine, FL 32084Listed by WORTH CLARK REALTY | Jun 2026 | $270,000 | $223 | 2/2 | 1,212 | 5 | 0.9 |
| 7 Sebastian Avenue C, St. Augustine, FL 32084Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Oct 2026 | $840,000 | $480 | 3/2.5 | 1,750 | 0 | 1 |
| 4000 Grande Vista Boulevard 15-130, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $265,000 | $206 | 2/2 | 1,284 | 28 | 1 |
| 2960 Coastal Highway 4B, St. Augustine, FL 32084Listed by ASSIST2SELL BUYERS & SELLERS REALTY | Jul 2026 | $690,000 | $560 | 2/2 | 1,232 | 10 | 1 |
| 4000 Grande Vista Boulevard 15-106, St. Augustine, FL 32084Listed by CHAD AND SANDY REAL ESTATE GROUP | Jul 2026 | $317,500 | $195 | 3/2 | 1,629 | 6 | 1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 26, 2025. 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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