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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 Antigua, St. Augustine — a home near St. Augustine High School.

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Sold

Sold·Closed Oct 31, 2025·21 days on market·Recent sales in Antigua·Antigua

148 Ancient Island Drive

St. Augustine, FL 32080

$615,500sold priceListed at $649,000 · 94.8% of asking$247/sqftMLS# 2098160
4
Beds
3
Baths
2,495
Sq Ft
2020
Built
2
Garage
No
Pool

All Antigua homes for sale →Search Antigua on the map

HOA $125/mo7,405 sqft lotSingle Family Residence2 stories

About this home

Antigua

Welcome home! Just minutes away from St. Augustine's beautiful sandy beaches, top-rated schools, a variety of local dining options, and the charm of downtown St. Augustine, this 4-bedroom, 3-bathroom home offers the perfect blend of comfort and convenience. With no CDD fees, a low HOA, and approximately 2,500 square feet of living space, it's a standout opportunity. Inside, ceramic tile flooring flows throughout the main living areas, complementing the open-concept design that frames peaceful marsh preserve views. The kitchen features 42'' cabinets with brushed nickel hardware, a gas range, and a stylish herringbone and stacked tile backsplash. Just off the kitchen, the dining area provides a welcoming space for everyday meals or entertaining. One bedroom and a full bathroom are located on the main floor, offering flexibility for guests or a private office.

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$3,409
Property taxesest. at asking price, St. Johns County$819
HOAbilled quarterly$125
Estimated total, before insurance$4,353/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,230/yr · $436/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

$615,500
$123,100
Loan Term
Monthly Payment
$3,409
Principal & Interest: $3,409
Property taxes (est.): $819
Insurance (est.): $410
Estimated Total Monthly
$4,639
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 — year not disclosed (home built 2020)

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

Solar potential: ~1,805 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): $5,230/yr

Estimated taxes if purchased at asking price: ~$9,800/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, 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 $323/sq ft; this home is listed at $260/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
27 Saint Barts Avenue, St. Augustine, FL 32080Listed by REACH REALTY LLCAug 2026$645,000$3183/2.52,028120.1
115 Spoonbill Point Court, St. Augustine, FL 32080Listed by LOKATIONAug 2026$852,400$3234/32,635480.6
36 Madeira Drive, St. Augustine, FL 32080Listed by KELLER WILLIAMS ST JOHNSSep 2026$625,000$2764/22,262190.7
401 Fiddlers Point Drive, St. Augustine, FL 32080Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$1,535,000$5374/32,86170.9
281 Ocean Cay Boulevard, St. Augustine Beach, FL 32080Listed by EXP REALTY LLCJul 2026$750,000$2584/3.52,909820.9
348 Fiddlers Point Drive, St. Augustine, FL 32080Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$1,050,000$4363/22,408151

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$649,000
Price / Sq Ft$260
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,495
Acres0.17 acres
Year Built2020
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryR.b. Hunt
MiddleSebastian

Community Information

Address148 Ancient Island Drive, St. Augustine, FL 32080
Area323-Davis Shores
SubdivisionAntigua
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32080
Lot Size7,405.2 sq ft
Parcel Number1612520070

Amenities

AmenitiesPool, Boat Dock, Clubhouse
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached, Garage
ViewCreek/Stream, Protected Preserve, Water

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsTwo
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesBalcony
Lot DescriptionCul-De-Sac
Patio / PorchCovered, Front Porch, Patio, Screened
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedNovember 19, 2025
Days on Market21
HOA Fees$375 / Quarterly
HOA FrequencyQuarterly
Tax Amount$5,230.1
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REDFIN CORPORATION

Sold by: REACH REALTY LLC (buyer's brokerage)

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.

The neighborhood

About Antigua

Antigua is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32080.

View all Antigua homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 31, 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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