This home is in St. Augustine.
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Sold·Closed Feb 19, 2026·9 days on market·Recent sales in St. Augustine
5437 3rd Street
St. Augustine, FL 32080
About this home
St. Augustine
Welcome to Crescent Beach, where coastal living meets modern comfort! This beautifully renovated 3-bedroom, 1.5-bath home (plus outdoor shower) is just five blocks from the Atlantic Ocean, offering stunning sunrises and easy beach access via a lighted crosswalk on A1A. Head five blocks west to enjoy sunsets on the Matanzas River, where you can fish, kayak, or launch your boat. Perfect as a short-term rental, vacation getaway, or family home, this property combines style, convenience, and location. Inside, you'll find epoxy flooring, elevated kitchen cabinets on stainless steel risers, and PVC baseboards. The remodeled kitchen features white shaker cabinets, a deep sink, butcher block countertops, and newer appliances (2023), plus an eat-in dining space. Recent upgrades include a new water heater (2022) and a concrete retaining wall (2023).
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).
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: Metal — year not disclosed (home built 1968)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,718 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 homeThis 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach access
Skipper Stabout 0.3 mi
Closest park or preserve
Moses Creek Conservation Areaabout 3 mi · 7.6 mi of trails
Closest public boat ramp
Palmetto Road Public Boat Rampabout 0.3 mi · Matanzas River
Closest kayak & paddleboard launch
Coastal Drive Kayak Beachabout 2 mi
Closest youth league fields
Frank Butler Beachfront Park Eastabout 0.6 mi · Soccer
Closest grocery store
Winn-Dixieabout 2 mi · 3905 A1A South, St Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,714/yr
Estimated taxes if purchased at asking price: ~$7,000/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.
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 $415/sq ft; this home is listed at $391/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5467 1st Street, St. Augustine, FL 32080Listed by LIGHTHOUSE REALTY ASSOCIATES | Jun 2026 | $468,000 | $397 | 3/2 | 1,180 | 86 | 0.1 |
| 5467 1st Street, St. Augustine, FL 32080Listed by LIGHTHOUSE REALTY ASSOCIATES | Oct 2025 | $490,000 | $415 | 3/2 | 1,180 | 14 | 0.1 |
| 5754 Rudolph Avenue, St. Augustine, FL 32080Listed by LMH REALTY LLC | Jun 2026 | $625,000 | $764 | 1/2 | 818 | 2 | 0.5 |
| 237 Basque Road, St. Augustine, FL 32080Listed by LIGHTHOUSE REALTY ASSOCIATES | Nov 2025 | $279,300 | $311 | 2/1 | 897 | 3 | 0.7 |
| 231 Puebla Road, St. Augustine, FL 32080Listed by LIGHTHOUSE REALTY ASSOCIATES | Nov 2025 | $282,000 | $305 | 2/2 | 924 | 52 | 1 |
| 6302 Gomez Road, St. Augustine, FL 32080Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Oct 2026 | $444,000 | $463 | 2/2 | 960 | 5 | 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY
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 Feb 19, 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
Is this home priced right?
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Northeast Florida living
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