This home is in Treasure Beach, St. Augustine — a waterfront home in St. Johns County.
Sold·Closed Jul 21, 2026·123 days on market·Recent sales in Treasure Beach·Treasure Beach
225 Pizarro Road
St. Augustine, FL 32080
3 more homes for sale in Treasure Beach →Search Treasure Beach on the map
About this home
Treasure Beach
PRICED BELOW CURRENT APPRAISED VALUE! BOAT FROM YOUR BACKYARD!! EMBRACE ISLAND LIFE on a canalfront home minutes from the Atlantic Ocean w/ private boathouse, direct Intracoastal access & deeded entry to the white sandy St. Augustine beaches! This 100% solar-powered concrete w/stucco 3BR split plan, 2.5BA + sunny bonus room includes a backup battery and has been freshly painted inside & out. The 2014 renovation created an open concept with gas fireplace, hardwood & tile floors, skylights, and a large plant shelf in the great room. The gourmet kitchen features a center island, granite tops, soft-close pullouts, a custom 9x8 pantry with lower pull-out shelving, and a six-burner Viking gas stove with griddle. The custom primary bath offers tall granite counters and a walk-in glass shower with dual heads and ceiling rain feature. Relax in the 15x44 screened lanai with a fire table that seats 8. Boathouse w/lift, floating dock w/kayak launch, metal roof (2014) & 10 parking spaces. MUST SEE
Next steps in Treasure Beach
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 X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 — 2014 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Likely septic · Public water · St Johns County Utilities - water accounts
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,798 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.
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 7:24 AM, sunset 6:59 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.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $654,595 | $253,366 | — |
| 2024 | $644,978 | $245,377 | — |
| 2023 | $618,289 | $236,628 | — |
| 2022 | $614,256 | $233,134 | — |
| 2021 | $421,312 | $224,887 | — |
| 2020 | $391,559 | $221,092 | — |
2025 property taxes (current owner): $3,922/yr
Estimated taxes if purchased at asking price: ~$14,000/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
- Jul 21, 2026Closed$799,900
- Feb 18, 2026Listed$799,900
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 $482/sq ft; this home is listed at $337/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5900 Costanero Road, St. Augustine, FL 32080Listed by FIV REALTY CO FLORIDA LLC | Sep 2026 | $900,000 | $318 | 3/3.5 | 2,833 | 104 | 0.2 |
| 31 Minnie Street, St. Augustine, FL 32080Listed by RE/MAX BLUE COAST | Dec 2025 | $965,000 | $536 | 3/3 | 1,799 | 3 | 0.3 |
| 6306 Gomez Road, St. Augustine, FL 32080Listed by PACIFICO PROPERTIES | Jun 2026 | $755,000 | $448 | 3/2 | 1,686 | 2 | 0.4 |
| 300 Riverside Boulevard, St. Augustine, FL 32080Listed by DJ & LINDSEY REAL ESTATE | Jun 2026 | $750,000 | $338 | 3/2.5 | 2,220 | 184 | 0.5 |
| 5497 Pelican Way, St. Augustine, FL 32080Listed by COLDWELL BANKER PREMIER PROPERTIES | Sep 2026 | $1,225,000 | $482 | 4/4 | 2,542 | 7 | 0.6 |
| 6435 Broward Street, St. Augustine, FL 32080Listed by THE NEWCOMER GROUP | Sep 2026 | $1,675,000 | $606 | 4/4 | 2,763 | 4 | 0.7 |
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: CENTURY 21 BECKHAM 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.
The neighborhood
About Treasure Beach
Treasure Beach is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32080.
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Krista Fracke
Broker Associate
This home sold on Jul 21, 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
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