This home is in St. Augustine — a home near St. Augustine High School.
Sold·Closed Jun 9, 2026·463 days on market·Recent sales in St. Augustine
408 Third Street
St. Augustine, FL 32084
About this home
St. Augustine
Calling all Beach lovers and Boaters! Back on the market, buyer fell though; home appraisal was $1,000,000. A short walk to beach access and the ICW. Public boat access just a few blocks away. Experience this fantastic property with endless possibilities! Secluded private with loads of space inside and out. Investor opportunity or multi - generational set up on a triple lot. No HOA or rental restrictions! Perfectly positioned a few miles from historic down town St Augustine. and 15 minute drive to TPC Sawgrass.
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: Shingle — year not disclosed (home built 1998)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,741 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
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:24 AM, sunset 6:59 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $954,817 | $316,520 | — |
| 2025 | $129,061 | $122,353 | — |
| 2024 | $939,313 | $306,751 | — |
| 2024 | $112,707 | $111,230 | ▲ $2,482 |
| 2023 | $882,627 | $287,216 | — |
| 2023 | $107,706 | $101,119 | — |
| 2022 | $770,810 | $281,749 | — |
| 2022 | $104,171 | $91,927 | — |
| 2021 | $490,701 | $272,072 | — |
| 2021 | $87,698 | $83,570 | ▲ $2,137 |
| 2020 | $484,367 | $267,618 | — |
| 2020 | $83,502 | $75,973 | — |
2023 property taxes (current owner): $4,052/yr
Estimated taxes if purchased at asking price: ~$12,800/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 (2025), NEFMLS.
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 $445/sq ft; this home is listed at $284/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 304 Coconut Grove Court, St. Augustine, FL 32084Listed by COLDWELL BANKER PREMIER PROPERTIES | Mar 2026 | $687,200 | $275 | 4/3 | 2,495 | 8 | 0.5 |
| 4000 Palm Street, St. Augustine, FL 32084Listed by FLUID REALTY, LLC. | Jun 2025 | $1,050,000 | $445 | 3/2.5 | 2,360 | 75 | 0.6 |
| 502 Twenty-First Street, St. Augustine, FL 32084Listed by COMPASS FLORIDA LLC | Jun 2026 | $820,000 | $323 | 5/3.5 | 2,542 | 31 | 1 |
| 213 Twenty-First Street, St. Augustine, FL 32084Listed by LINWARD REALTY, LLC | Jun 2026 | $1,865,000 | $596 | 4/4.5 | 3,131 | 47 | 1 |
| 491 Pantano Drive, St. Augustine, FL 32095Listed by PERRY HOMES | Sep 2026 | $1,099,900 | $348 | 3/2.5 | 3,164 | 149 | 1.2 |
| 544 Pantano Drive, St. Augustine, FL 32095Listed by MARCUS ALLEN REALTY, LLC | Mar 2026 | $2,250,000 | $521 | 4/4.5 | 4,316 | 366 | 1.2 |
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: BEACHSIDE BROKERS REALTY, INC
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 Jun 9, 2026. 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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