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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 gated community home in St. Johns County.

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Sold

Sold·Closed Jun 18, 2026·133 days on market·Recent sales in St. Augustine

328 Village Drive F

St. Augustine, FL 32084

$860,000sold priceListed at $875,000 · 98.3% of asking$392/sqftMLS# 2126495
3
Beds
2.5
Baths
2,193
Sq Ft
1996
Built
2
Garage
No
Pool
HOA $772/moWaterfrontCondominium2 stories

About this home

St. Augustine

Wow - come see this St. Augustine water front beauty - a rarely available 2193sf Condo in the Marina Homes section of the Villages of Vilano. This is a coveted upper level (max views!) 3 bedroom, 2.5 bath unit overlooking the intracoastal! This unit is on the Southwest corner of the 2 middle marina buildings- best views ever! Watch the fun ''congo line'' of boats, exceptional birding/wildlife and enjoy amazing sunsets not just from the open air deck, but also from the living room & bedrooms. Completely updated - just move in and enjoy! The kitchen was remodeled in 2019 with Quartz counters, new appliances, a wine refrigerator, Soft close cabinets, and high-end fixtures. Do not miss your chance at this one - luxury waterfront magic. Once you see your first sunset from the open decks, sipping your drink of choice with friends and family, you'll know why they don't come up for sale often -they are ''Keepers''! Make your home St. Augustine soon and enjoy marina life and Vilano Beach too!

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$4,764
Property taxesest. at asking price, St. Johns County$1,144
HOAbilled monthly$772
Estimated total, before insurance$6,680/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,315/yr · $610/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

$860,000
$172,000
Loan Term
Monthly Payment
$4,764
Principal & Interest: $4,764
Property taxes (est.): $1,144
Insurance (est.): $573
Estimated Total Monthly
$6,481
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 1996)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,809 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

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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:24 AM, sunset 6:59 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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

YearMarket valueTaxable valueChange
2025$516,150$516,150—
2024$516,150$516,150—
2023$516,150$516,150—
2022$470,000$470,000—
2021$470,000$470,000—
2020$470,000$470,000—

2025 property taxes (current owner): $7,315/yr

Estimated taxes if purchased at asking price: ~$13,700/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.

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 $312/sq ft; this home is listed at $399/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3385 Coastal Highway 2, St. Augustine, FL 32084Listed by ST AUGUSTINE COASTAL REAL ESTATESep 2026$425,000$2364/31,8001200.7
3324 Harbor Drive, St. Augustine, FL 32084Listed by CRYSTAL CLEAR REALTY, LLCJul 2026$710,000$3123/3.52,275601.3
3115 Harbor Drive 115, St. Augustine, FL 32084Listed by RE/MAX UNLIMITEDAug 2026$480,000$2762/21,7371131.4
4000 Grande Vista Boulevard 15-106, St. Augustine, FL 32084Listed by CHAD AND SANDY REAL ESTATE GROUPJul 2026$317,500$1953/21,62961.4
325 S Ocean Grande Drive 201, Ponte Vedra Beach, FL 32082Listed by RE/MAX UNLIMITEDSep 2026$810,000$3623/32,239391.9
310 S Ocean Grande Drive 304, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$671,500$3303/32,036101.9

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$875,000
Price / Sq Ft$399
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,193
Total Structure Area2,193 sq ft
Year Built1996
TypeResidential
Sub-TypeCondominium
StyleContemporary, Villa, Mid-Century Modern
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
Gated CommunityYes
Direction FacesEast

School Information

Community Information

Address328 Village Drive F, St. Augustine, FL 32084
Area266-Vilano Beach
SubdivisionVillages Of Vilano
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Parcel Number1423743286
ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Beach Access, Boat Launch, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Maintenance Structure, Management - Full Time, Marina, Pickleball, RV/Boat Storage, Sauna, Security, Tennis Court(s)
Community FeaturesGated
UtilitiesElectricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage, Garage Door Opener, Guest
ViewIntracoastal, Marina, River, Water

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Microwave, Refrigerator, Washer, Wine Cooler
HeatingCentral, Heat Pump
CoolingCentral Air, Electric
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level
Spa FeaturesCommunity

Exterior

Exterior FeaturesBalcony, Tennis Court(s)
Patio / PorchAwning(s), Deck, Front Porch, Patio, Rear Porch
FencingOther
RoofShingle
Road SurfaceAsphalt, Paved

Additional Information

Date ListedJanuary 22, 2026
Days on Market133
HOA Fees$772 / Monthly
HOA FrequencyMonthly
HOA NameVillages of Vilano
HOA Fee IncludesMaintenance Grounds, Maintenance Structure, Security
Tax Amount$7,315.04
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ST AUGUSTINE 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 18, 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.

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