This home is in St. Augustine.
Sold·Closed Sep 30, 2026·382 days on market·Recent sales in St. Augustine
404 Talbot Bay Drive
St. Augustine, FL 32086
About this home
St. Augustine
Three-bedroom, two-bathroom home with an office in a quiet part of St. Augustine. This open-concept home offers a well-designed layout with wood flooring in the main living areas and carpeted bedrooms. The kitchen features updated countertops and stainless steel appliances. Ideal for chefs of all levels. Each bedroom provides ample closet space, and the primary suite includes tray ceilings and large windows that fill the space with natural light. New roof has been installed! Enjoy the natural beauty of nearby Moses Creek Conservation Area, relax at Crescent Beach, or take care of daily errands at the nearby Publix Super Market at Moultrie Square. Schedule your showings today! One or more photos in this listing have been virtually staged.
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 (that applies to the reference bill above too).
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.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — year not disclosed (home built 2007)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts
County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,797 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 homeAs of July 2026, 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $369,236 | $357,370 | — |
| 2024 | $365,175 | $324,882 | — |
| 2023 | $368,491 | $295,347 | — |
| 2022 | $326,537 | $268,497 | — |
| 2021 | $244,088 | $244,088 | — |
| 2020 | $232,676 | $232,676 | — |
2024 property taxes (current owner): $4,541/yr
Estimated taxes if purchased at asking price: ~$5,600/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.
History
Price & status history
- Sep 30, 2026Closed$354,900
- Sep 10, 2026Pending$354,900
- Aug 14, 2026Price change$354,900−$10,100
- Aug 11, 2026Active$365,000
- Jul 20, 2026Pending$365,000
- Dec 8, 2025Listed$365,000
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 $239/sq ft; this home is listed at $151/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 38 Litke Lane, St. Augustine, FL 32086Listed by DAVIDSON REALTY, INC. | Aug 2026 | $365,000 | $160 | 3/2.5 | 2,280 | 333 | 0.5 |
| 216 Green Palm Court, St. Augustine, FL 32086Listed by SOVEREIGN REAL ESTATE GROUP | Sep 2026 | $305,000 | $179 | 4/2 | 1,705 | 97 | 0.6 |
| 301 Graciela Circle, St. Augustine, FL 32086Listed by WATSON REALTY CORP | Jun 2026 | $525,000 | $292 | 3/2.5 | 1,797 | 269 | 0.6 |
| 4945 Moultrie Reserve Court, St. Augustine, FL 32086Listed by COMPASS FLORIDA LLC | Jul 2026 | $610,000 | $321 | 3/3 | 1,900 | 7 | 0.9 |
| 564 Domenico Circle, St. Augustine, FL 32086Listed by REALTY ONE GROUP ELEVATE | Sep 2026 | $415,000 | $236 | 3/2 | 1,755 | 21 | 1.1 |
| 259 Sika Drive, St. Augustine, FL 32086Listed by AXEN REALTY LLC | Sep 2026 | $617,997 | $239 | 4/3.5 | 2,590 | 341 | 1.1 |
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
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: ENTERA REALTY LLC
Sold by: ENDLESS SUMMER REALTY (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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 30, 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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