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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 waterfront home in St. Johns County.

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Sold

Sold·Closed Aug 31, 2026·221 days on market·Recent sales in St. Augustine

168 Plaza Del Rio Drive

St. Augustine, FL 32084

$460,000sold priceListed at $469,000 · 98.1% of asking$224/sqftMLS# 2106987
3
Beds
2.5
Baths
2,058
Sq Ft
2011
Built
3
Garage
No
Pool
HOA $25/mo11,761 sqft lotWaterfrontSingle Family Residence2 stories

About this home

St. Augustine

Great location easy commute to historic downtown St Augustine and the beautiful beaches. 3 bedroom 2.5 bath. Primary bedroom on the main level. Open floor plan. Large eat-in kitchen with a huge island, perfect for family gatherings. Granite countertops, tons of cabinets and counter space. Formal dining room. Upstairs you will find two nice size secondary bedrooms and a bath. You will love the covered back porch with the outdoor kitchen and built-in fire pit. Huge corner lot with water view. Fenced in the backyard with plenty of room for a pool. Highly sought after location and neighborhood. Top rated schools. Will not last

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$2,548
Property taxesest. at asking price, St. Johns County$612
HOAbilled annually$25
Estimated total, before insurance$3,185/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,486/yr · $374/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

$460,000
$92,000
Loan Term
Monthly Payment
$2,548
Principal & Interest: $2,548
Property taxes (est.): $612
Insurance (est.): $307
Estimated Total Monthly
$3,467
*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 2011)

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

Solar potential: ~1,834 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

YearMarket valueTaxable valueChange
2025$401,302$228,343—
2024$391,707$221,200—
2023$401,278$201,667—
2022$377,063$194,337—
2021$265,109$187,220—
2020$233,945$183,945—

2024 property taxes (current owner): $4,486/yr

Estimated taxes if purchased at asking price: ~$7,300/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 1, 2026Closed$469,000

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 $256/sq ft; this home is listed at $228/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
123 Frontera Drive, St. Augustine, FL 32084Listed by LIGHTHOUSE REALTY ASSOCIATESJul 2026$565,000$2564/32,206240.1
343 Lamego Lane, St. Augustine, FL 32095Listed by PERRY HOMESSep 2026$733,958$3134/32,343370.7
370 Lamego Lane, St. Augustine, FL 32095Listed by PERRY HOMESJun 2026$535,000$2603/22,0571190.7
394 Hefferon Drive, St. Augustine, FL 32084Listed by REALTY ONE GROUP ELEVATESep 2026$465,000$2024/2.52,297140.8
43 Cody Street, St. Augustine, FL 32084Listed by SOVEREIGN REAL ESTATE GROUPSep 2026$354,000$2084/21,7052820.8
126 Pescado Drive, St. Augustine, FL 32095Listed by DAVIDSON REALTY, INC.Aug 2026$520,000$2453/22,126760.9

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$469,000
Price / Sq Ft$228
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,058
Total Structure Area2,893 sq ft
Acres0.27 acres
Year Built2011
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontYes

Community Information

Address168 Plaza Del Rio Drive, St. Augustine, FL 32084
Area336-Ravenswood/West Augustine
SubdivisionOld Sebastian Point
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size11,761.2 sq ft
Parcel Number1028230190

Amenities

AmenitiesOther
UtilitiesCable Connected, Electricity Connected, Sewer Connected
SewerPrivate Sewer
Water SourcePublic
ParkingGarage
ViewWater
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo

Exterior

Lot DescriptionCorner Lot
Patio / PorchCovered, Patio, Porch
FencingBack Yard
RoofShingle
ConstructionStucco
Other StructuresOutdoor Kitchen
Road SurfaceAsphalt

Additional Information

Date ListedJune 18, 2026
Days on Market221
HOA Fees$300 / Annually
HOA FrequencyAnnually
Tax Amount$4,486.3
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MCGUIRE REALTY GROUP

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 Aug 31, 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.

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20+ years · 500+ closings · NE Florida

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