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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 Arbor Mill, St. Augustine — a waterfront home in St. Johns County.

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Sold

Sold·Closed Sep 5, 2025·4 days on market·Recent sales in Arbor Mill·Arbor Mill

66 Baltic Avenue

St. Augustine, FL 32092

$685,000sold priceListed at $685,000 · 100% of asking$325/sqftMLS# 2099191
3
Beds
2.5
Baths
2,108
Sq Ft
2018
Built
3
Garage
No
Pool

8 more homes for sale in Arbor Mill →Search Arbor Mill on the map

HOA $61/mo7,841 sqft lotWaterfrontSingle Family Residence1 story

About this home

Arbor Mill

Welcome to a model home built by Landon homes, in the highly sought after Arbor Mill Community. This open spacious floor plan has 3 large bedrooms and a French Door office. Numerous upgrades from a custom fireplace, tray ceilings and a tongue and groove accent wall. In addition to the builder upgrades, two closets are redesigned with California Closets to maximize storage space. Large open kitchen is designed with a custom butler's pantry for added organization. The home is equipped with a whole house generator, and a split AC unit in the garage. Enjoy your backyard as a private oasis with water views on artificial turf, and a large a patio with travertine tile, with an option to close the screens.

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$3,794
Property taxesest. at asking price, St. Johns County$912
HOAbilled annually$61
Estimated total, before insurance$4,767/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,934/yr · $328/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

$685,000
$137,000
Loan Term
Monthly Payment
$3,794
Principal & Interest: $3,794
Property taxes (est.): $912
Insurance (est.): $457
Estimated Total Monthly
$5,162
*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 — year not disclosed (home built 2018)

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

Solar potential: ~1,786 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

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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

2024 property taxes (current owner): $3,934/yr

Estimated taxes if purchased at asking price: ~$10,900/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

  • Jul 21, 2025Listed$685,000

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 $241/sq ft; this home is listed at $325/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
163 Vivian James Drive, St. Augustine, FL 32092Listed by HOUSE & HAVENSep 2026$635,000$2524/32,517170.2
39 Athens Drive, St. Augustine, FL 32092Listed by WATSON REALTY CORPSep 2026$500,000$2204/22,2681510.2
479 Athens Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTYSep 2026$622,000$2413/2.52,577170.5
324 Silver Glen Avenue, St. Augustine, FL 32092Listed by FLUID REALTY, LLC.Sep 2026$362,500$1364/2.52,66870.9
2080 Crown Drive, St. Augustine, FL 32092Listed by COMPASS FLORIDA LLCOct 2026$625,000$2384/32,626901
93 Scarlet Rose Lane, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2026$750,000$2805/42,67951

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$685,000
Price / Sq Ft$325
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,108
Acres0.18 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary, Ranch
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontYes
Direction FacesEast

School Information

Community Information

Address66 Baltic Avenue, St. Augustine, FL 32092
Area303-Palmo/Six Mile Area
SubdivisionArbor Mill
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size7,840.8 sq ft
Parcel Number0271410030

Amenities

AmenitiesPool, Clubhouse, Jogging Path, Playground, RV/Boat Storage, Tennis Court(s)
Community FeaturesSidewalks, Street Lights
UtilitiesCable Available, Electricity Connected, Natural Gas Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Kitchen Island, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Range, Gas Water Heater, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringTile
FireplaceYes
Fireplace FeaturesElectric
# of Stories1
LevelsOne
LaundryGas Dryer Hookup, Washer Hookup

Exterior

Patio / PorchCovered, Screened
FencingBack Yard
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedJuly 21, 2025
Days on Market4
HOA Fees$730 / Annually
HOA FrequencyAnnually
Tax Amount$3,934.34
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CASTILLO REAL ESTATE JAX

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 Arbor Mill

Arbor Mill is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.

View all Arbor Mill homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 5, 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.

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