This home is in Hildreth Back Bay, St. Augustine — a home near St. Augustine High School.
Sold·Closed Sep 28, 2026·222 days on market·Recent sales in Hildreth Back Bay·Hildreth Back Bay
31 Oak Street
St. Augustine, FL 32084
All Hildreth Back Bay homes for sale →Search Hildreth Back Bay on the map
About this home
Hildreth Back Bay
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.
Next steps in Hildreth Back Bay
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 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 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 | $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: ~$7,300/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 29, 2026Closed$489,999
- Aug 11, 2026Active Under Contract$489,999
- Jul 22, 2026Active$489,999
- 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.
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 $360/sq ft; this home is listed at $496/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5 Beacon Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Sep 2026 | $300,000 | $244 | 3/1 | 1,228 | 105 | 0.2 |
| 36 Park Avenue, St. Augustine, FL 32084Listed by COLDWELL BANKER PREMIER PROPERTIES | Jul 2026 | $375,000 | $478 | 2/1 | 784 | 63 | 0.2 |
| 6 Douglas Avenue, St. Augustine, FL 32084Listed by WATSON REALTY CORP | Jun 2026 | $425,000 | $360 | 3/2 | 1,181 | 4 | 0.7 |
| 17 Ballard Avenue, St. Augustine, FL 32084Listed by RE/MAX BLUE COAST | Jul 2026 | $390,000 | $360 | 3/1 | 1,082 | 1 | 1 |
| 1463 Spring Street, St. Augustine, FL 32084Listed by CENTURY 21 LIGHTHOUSE REALTY | Sep 2026 | $240,000 | $229 | 3/1 | 1,050 | 0 | 1.3 |
| 2948 Bradford Street, St. Augustine, FL 32084Listed by DJ & LINDSEY REAL ESTATE | Jul 2026 | $305,000 | $257 | 3/2 | 1,188 | 1 | 1.3 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
Sold by: STA SUNRISE 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.
The neighborhood
About Hildreth Back Bay
Hildreth Back Bay is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 28, 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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Northeast Florida living
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