This home is in St. Augustine.
Active Under Contract·122 days on market
31 Oak Street
St. Augustine, FL 32084
About this home
St. Augustine
Waterfront gem in the Historic District of St. Augustine! This beautifully updated 2BR/2BA home offers navigable water access with stunning marsh and Intracoastal views from a quiet dead-end street. Elevated on stilts, the home features all ceramic tile, a wood-burning fireplace, and a stylish kitchen with stainless steel appliances and a mother-of-pearl backsplash. Recent upgrades include a new metal roof, windows, doors, gutters, and a brand-new lower deck with retractable awning. Enjoy a fenced yard, parking for 4+ vehicles including RV/boat, and a very successful Airbnb history. NO HOA!!! Prime location!!! Bike to the beach, walk to downtown St. Augustine and the Fort, with access to a community park, and garden. Ideal as a primary residence, second home, or investment property.
Cost to own
Mortgage calculator
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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $281,051 | $180,358 | — |
| 2025 | $481,437 | $290,184 | ▲ $23,329 |
| 2024 | $289,865 | $174,568 | — |
| 2024 | $460,221 | $281,299 | — |
| 2023 | $275,626 | $168,027 | — |
| 2023 | $478,405 | $271,650 | ▲ $58,116 |
| 2022 | $267,444 | $161,677 | — |
| 2022 | $406,820 | $262,282 | ▼ $8,064 |
| 2021 | $205,512 | $155,512 | — |
| 2021 | $351,590 | $253,187 | — |
| 2020 | $219,704 | $218,060 | — |
| 2020 | $315,814 | $249,001 | ▲ $10,863 |
2025 property taxes (current owner): $3,774/yr
Estimated taxes if purchased at asking price: ~$7,800/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 (2025), NEFMLS.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Metal — year not disclosed (home built 1989)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)
County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,816 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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- Jul 11, 2026Active Under Contract$489,999
- Mar 17, 2026Listed$489,999
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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