This home is in St. Augustine.
Sold·Closed Jul 14, 2026·122 days on market·Recent sales in St. Augustine
4524 5th Avenue
St. Augustine, FL 32095
About this home
St. Augustine
Welcome to this beautifully maintained, original owner home that's truly move-in ready. This 3-bedroom, 2-bath home offers 1,568 square feet of comfortable living with vinyl flooring throughout and no carpet anywhere. The updated kitchen shines with new cabinetry, quartz countertops, and new appliances, while the primary bathroom features a modern renovated shower. Major updates include a brand-new HVAC system installed in April 2026 for added peace of mind. Enjoy morning coffee or evening downtime on the screened-in porch, and take advantage of the fully fenced backyard with pavers--perfect for relaxing or entertaining. An 11' x 15' shed adds excellent extra space for storage, lawn equipment, or a workshop. Ideal as a starter home or investment property--just move in and drop your bags. Conveniently located just 10 minutes to Publix and Historic Downtown St. Augustine, 15 minutes to the beaches, 20 minutes to Costco, and 30 minutes to Jacksonville.
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).
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.
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 1993)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,652 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $162,181 | $21,281 | — |
| 2024 | $151,071 | $19,977 | — |
| 2023 | $150,304 | $18,667 | — |
| 2022 | $143,343 | $17,395 | — |
| 2021 | $79,536 | $16,160 | — |
| 2020 | $73,346 | $15,592 | — |
2025 property taxes (current owner): $603/yr
Estimated taxes if purchased at asking price: ~$3,900/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
- Jul 15, 2026Closed$245,990
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 $247/sq ft; this home is listed at $157/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 232 Jackson Boulevard, St. Augustine, FL 32095Listed by PONTE VEDRA CLUB REALTY, INC. | Jul 2026 | $307,500 | $247 | 3/2 | 1,244 | 15 | 0.1 |
| 443 Pescado Drive, St. Augustine, FL 32095Listed by MAXREV, LLC | Jun 2026 | $495,000 | $245 | 3/2 | 2,023 | 117 | 0.1 |
| 236 Jackson Boulevard, St. Augustine, FL 32095Listed by PONTE VEDRA CLUB REALTY, INC. | Sep 2026 | $308,000 | $248 | 3/2 | 1,244 | 60 | 0.2 |
| 4569 Second Avenue, St. Augustine, FL 32095Listed by ENDLESS SUMMER REALTY | Oct 2026 | $285,000 | $244 | 3/2 | 1,170 | 41 | 0.3 |
| 217 North Boulevard, St. Augustine, FL 32095Listed by PONTE VEDRA CLUB REALTY, INC. | Jul 2026 | $307,500 | $247 | 3/2 | 1,244 | 25 | 0.3 |
| 4705 Avenue B, St. Augustine, FL 32095Listed by MAXREV, LLC | Jun 2026 | $310,000 | $272 | 3/2 | 1,141 | 66 | 0.6 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: DJ & LINDSEY REAL ESTATE
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 Jul 14, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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