Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Antigua, St. Augustine — a waterfront home in St. Johns County.

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Active

Active·208 days on market·Antigua

367 Five Island Drive

St. Augustine, FL 32080

$1,890,000$719/sqftEst. $9,717/moMLS# 2128125

Beds

Baths

2,627

Sq Ft

2022

Built

Garage

Pool

About this home

Antigua

ICW access! Welcome to your private waterfront sanctuary where refined luxury and effortless coastal living converge. This impeccably designed 4-bedroom, 3-bath residence has been thoughtfully curated with modern upgrades and premium finishes throughout. At the heart of the home, a custom chef's kitchen impresses with striking waterfall countertops, gas-cooktop, designer lighting, and state-of-the-art fixtures perfectly suited for both everyday living and elevated entertaining. Seamlessly blending indoor and outdoor spaces, step onto the expansive $50,000 paver deck featuring a fully equipped gourmet outdoor kitchen with marble countertops and a new in-ground spa, ideal for hosting unforgettable waterfront gatherings. Beyond, the impressive dock delivers a true boater's dream, complete with a twin wave-runner lift, a full boat lift, floating dock, kayak holders, and gangway providing effortless access to the deep water adventures.

Cost to own

Mortgage calculator

Home Price

$1,890,000

Down Payment: 20%

$378,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$9,717

Principal & Interest: $9,717

Property taxes (est.): $2,515

Insurance (est.): $1,260

Estimated Total Monthly

$13,491

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$9,717

Property taxesest. at asking price, St. Johns County$2,515

HOAbilled quarterly$134

Estimated total, before insurance$12,366/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$18,518/yr · $1,543/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).

Cost to own

Taxes & assessment

Last sold: $1,167,400 in October 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$934,825	$934,825	—
2024	$846,497	$846,497	—
2023	$896,507	$896,507	—
2022	$156,800	$156,800	—

2025 property taxes (current owner): $18,518/yr

Estimated taxes if purchased at asking price: ~$30,200/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.

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 — year not disclosed (home built 2022)

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

Solar potential: ~1,830 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.

History

Price & status history

Feb 2, 2026Listed$1,890,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,890,000

Price / Sq Ft$719

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,627

Acres0.30 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address367 Five Island Drive, St. Augustine, FL 32080

Area323-Davis Shores

SubdivisionAntigua

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Lot Size13,068 sq ft

Parcel Number1612520850

ZoningSingle Family

Amenities

AmenitiesPool

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Covered, Electric Vehicle Charging Station(s), Garage Door Opener

ViewIntracoastal, Protected Preserve

Waterfront TypeIntracoastal, Marsh, Navigable Water

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Gas Cooktop, Gas Water Heater, Instant Hot Water, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral, Zoned

CoolingCentral Air

FlooringCarpet, Stone, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

SecurityCarbon Monoxide Detector(s), Security System Owned, Smoke Detector(s)

Spa FeaturesIn Ground, Heated, Private