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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 pool home in St. Johns County.

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Sold

Sold·Closed Oct 29, 2025·111 days on market·Recent sales in St. Augustine

408 Nineteenth Street

St. Augustine, FL 32084

$650,000sold priceListed at $675,000 · 96.3% of asking$360/sqftMLS# 2092764
3
Beds
2
Baths
1,804
Sq Ft
2000
Built
2
Garage
Yes
Pool
No HOA9,583 sqft lotSingle Family Residence1 story

About this home

St. Augustine

Discover the ultimate in coastal living with this amazing 3BR/2 Bath home in a prime North Beach, St. Augustine location. This solidly built concrete block/stucco home is situated between the Intracoastal Waterway and beautiful Vilano Beach, with easy public walkover access. The home has never flooded. There is a public boat ramp just one block away, and you can keep your boat on-site for easy access to the water. Other features include no HOA, a screened-in/inground pool, New Roof in 2021, New HVAC in 2024, New Pool Pump 2024, New quartz countertops & kitchen appliances 2024, New smoke alarms 2024, 2 Car garage, Large driveway, covered front porch, & partially covered spacious back porch. This family-friendly community is a haven for outdoor enthusiasts, who enjoy fishing, kayaking, surfing, and boating. You can walk or ride your bike to some excellent local restaurants like Aunt Kate's, The Reef, & Cap's. Historic St. Augustine with its many attractions,great restaurants, & shopping

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$3,600
Property taxesest. at asking price, St. Johns County$865
Estimated total, before insurance$4,465/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,002/yr · $250/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$650,000
$130,000
Loan Term
Monthly Payment
$3,600
Principal & Interest: $3,600
Property taxes (est.): $865
Insurance (est.): $433
Estimated Total Monthly
$4,899
*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: Shingle — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,826 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $3,002/yr

Estimated taxes if purchased at asking price: ~$10,400/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

  • Jun 11, 2025Listed$675,000

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 $406/sq ft; this home is listed at $374/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
225 Twentieth Street, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$862,500$4534/21,903870.1
404 Fourteenth Street, St. Augustine, FL 32084Listed by THE NEWCOMER GROUPSep 2026$712,500$4063/2.51,7531340.2
301 Twenty-Second Street, St. Augustine, FL 32084Listed by DEKAY COASTAL PROPERTIESAug 2026$685,000$3173/22,158840.2
511 Twenty-First Street, St. Augustine, FL 32084Listed by NEXTHOME NEW BEGINNINGSJun 2026$820,000$3763/2.52,18390.2
415 Twenty-Third Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEJun 2025$770,000$4063/2.51,895560.2
609 Twenty Second Street, St. Augustine, FL 32084Listed by LINWARD REALTY, LLCMay 2026$1,100,000$6114/3.51,800120.3

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$675,000
Price / Sq Ft$374
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,804
Acres0.22 acres
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontNo

Community Information

Address408 Nineteenth Street, St. Augustine, FL 32084
Area266-Vilano Beach
SubdivisionPacetti North Beach
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size9,583.2 sq ft
Parcel Number1461000060

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms
AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringLaminate, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup

Exterior

Patio / PorchCovered, Deck, Front Porch, Porch, Rear Porch
FencingFull, Privacy, Wood
RoofShingle
ConstructionBlock, Concrete, Stucco
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 11, 2025
Days on Market111
Tax Amount$3,001.55
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

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 29, 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.

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20+ years · 500+ closings · NE Florida

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