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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 home near Allen D. Nease High School.

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Active Under Contract

Active Under Contract·19 days on market

305 Island Landing Drive

St. Augustine, FL 32095

$499,000$355/sqftEst. $2,764/mo mortgageMLS# 2125837
↓ $96,000 below original list
3
Beds
2
Baths
1,406
Sq Ft
1998
Built
2
Garage
No
Pool
FEMA Zone AEHOA $62/mo11,761 sqft lotWaterfrontSingle Family Residence1 story

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About this home

St. Augustine

WATERFRONT. Exclusive access to the Atlantic Intracoastal Waterway via Casa Cola Creek. Includes 500+ ft. walkway to 200 Sq Ft. Dock with small boat launch ramp. Gorgeous setting for Redfish & Flounder fishing.Plus Manatee & Pink Spoonbill watching. WHAT A VIEW LOOKING SOUTHEAST !!! Home is concrete block construction with New South Windows installed in 2022 and roof in 2018. Newly painted exterior & interior.New landscape sod recentely installed. Same tiled floors thru-ought.Property includes lawn irrigation well providing very nice savings on water bill. Pre-wired family room for speakers. Beautiful Lanai was just re-screened Come enjoy the ultimate in privacy along with spectacular long views over the Intracoastal plus the sunrise along with boating and kayaking. Fishing poles included. Eagle Creek Association Pool included. Listing Realtor is related to the seller of record.

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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$2,764
Property taxesest. at asking price, St. Johns County$664
HOAbilled quarterly$62
Estimated total, before insurance$3,490/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,505/yr · $375/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

$499,000
$99,800
Loan Term
Monthly Payment
$2,764
Principal & Interest: $2,764
Property taxes (est.): $664
Insurance (est.): $333
Estimated Total Monthly
$3,761
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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: Shingle — 2018 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,700 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

As 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:31 AM, sunset 6:49 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

Last sold: $410,000 in May 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$347,185$296,463—
2024$360,895$310,895—
2023$354,712$195,303—
2022$317,499$188,158—
2021$244,222$181,221—
2020$228,029$178,029—

2025 property taxes (current owner): $4,505/yr

Estimated taxes if purchased at asking price: ~$8,000/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 (2025), NEFMLS.

History

Price & status history

  • Oct 12, 2026Active Under Contract$499,000
  • Oct 2, 2026Price change$499,000−$50,000
  • Sep 8, 2026Price change$549,000−$46,000
  • Jan 24, 2026Listed$595,000

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 $251/sq ft; this home is listed at $355/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
237 St Thomas Street, St. Augustine, FL 32095Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$339,000$2513/21,353610.1
517 St Croix Street, St. Augustine, FL 32095Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEJan 2026$370,000$2583/21,434150.1
444 Island View Circle, St. Augustine, FL 32095Listed by EAST COAST REALTYMay 2026$311,000$2673/21,16650.2
405 Island View Circle, St. Augustine, FL 32095Listed by FLORIDA HOMES REALTY & MTG LLCApr 2026$332,500$2303/21,44350.2
109 Marsh Island Circle, St. Augustine, FL 32095Listed by REAL BROKER LLCApr 2026$345,000$2053/21,685370.2
267 Honeycomb Trail, St. Augustine, FL 32095Listed by UNITED REAL ESTATE GALLERYJul 2026$353,000$2243/21,574540.3

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

Price$499,000
Price / Sq Ft$355
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,406
Acres0.27 acres
Year Built1998
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesNorth

School Information

Zoned elementaryPalencia Elementary
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryPalencia
Reported middleSebastian
Reported highAllen D. Nease
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address305 Island Landing Drive, St. Augustine, FL 32095
Area313-Whitecastle/Airport Area
SubdivisionEagle Creek
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Lot Size11,761.2 sq ft
Parcel Number0745312140
ZoningResidential

Amenities

AmenitiesPool, Maintenance Grounds, Management - Off Site
Community FeaturesSidewalks, Suburban, Street Lights, Curbs
UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener, Off Street
ViewIntracoastal, River, Water

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Garage, Lower Level, Washer Hookup
Window FeaturesSkylight(s)
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesBoat Slip, Dock
Lot DescriptionDead End Street, Sprinklers In Front, Sprinklers In Rear, Wooded
Patio / PorchCovered, Deck, Front Porch, Rear Porch, Screened
FencingFenced, Back Yard, Privacy, Wood
RoofShingle
ConstructionBlock, Concrete, Stucco
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedOctober 2, 2026
Days on Market260
HOA Fees$185 / Quarterly
HOA FrequencyQuarterly
HOA NameEAGLE CREEK ASSOCIATION
HOA Fee IncludesInsurance, Maintenance Grounds
Tax Amount$4,505.04
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PONTE VEDRA COASTAL REALTY, INC.

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

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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