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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 Entrada, St. Augustine — a waterfront home in St. Johns County.

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Sold

Sold·Closed Apr 20, 2026·47 days on market·Recent sales in Entrada·Entrada

15 Zancara Street

St. Augustine, FL 32084

$500,000sold priceListed at $500,000 · 100% of asking$201/sqftMLS# 2129004
4
Beds
4
Baths
2,492
Sq Ft
2024
Built
2
Garage
No
Pool

23 more homes for sale in Entrada →Search Entrada on the map

HOA $48/mo11,761 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Entrada

As you enter the home, you are welcomed by a designated office, perfect for working from home or creating a quiet flex space. Then continue into the open kitchen and living area, filled with natural light and designed for both everyday living and entertaining, step out to the covered and screened patio, providing additional space to relax, host family gatherings, or enjoy outdoor dining. This home offers more than $40K in upgrades, including pavers and a fully fenced yard, giving you privacy and the perfect setup for pets. The first floor features a full bedroom and a full bathroom, ideal for guests, multigenerational living, or anyone who prefers not to use the stairs. Upstairs, you will find a spacious loft, a large primary bedroom with an en suite bathroom, and two additional bedrooms with bathrooms, offering plenty of room for family and visitors. The laundry room is conveniently located upstairs, with additional hookups available in the garage for added flexibility.

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$2,770
Property taxesest. at asking price, St. Johns County$665
HOAbilled quarterly$48
Estimated total, before insurance$3,483/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,917/yr · $660/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

$500,000
$100,000
Loan Term
Monthly Payment
$2,770
Principal & Interest: $2,770
Property taxes (est.): $665
Insurance (est.): $333
Estimated Total Monthly
$3,768
*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 2024)

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

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.

Cost to own

Taxes & assessment

Last sold: $480,800 in January 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$387,107$331,385—
2024$80,000$80,000—

2025 property taxes (current owner): $7,917/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.

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 $200/sq ft; this home is listed at $201/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
87 Zancara Street, St. Augustine, FL 32084Listed by CENTURY 21 ST AUGUSTINE PROPERTIESAug 2026$481,000$2244/22,144230.1
91 Alagon Way, St. Augustine, FL 32084Listed by LPT REALTY LLCSep 2026$360,000$2003/21,798190.2
151 Narvarez Avenue, St. Augustine, FL 32084Listed by BARBARA RENEE WHITE, BROKERSep 2026$365,000$2044/21,791490.2
181 Narvarez Avenue, St. Augustine, FL 32084Listed by COLDWELL BANKER PREMIER PROPERTIESJul 2026$410,000$1924/22,132230.2
101 Narvarez Avenue, St. Augustine, FL 32084Listed by WATSON REALTY CORPApr 2026$420,000$1974/22,132350.2
653 Narvarez Avenue, St. Augustine, FL 32084Listed by LPT REALTY LLCJun 2026$473,000$1934/32,44570.3

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$500,000
Price / Sq Ft$201
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage2,492
Acres0.27 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleA-Frame
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
Gated CommunityYes

School Information

ElementaryWebster
MiddleMurray

Community Information

Address15 Zancara Street, St. Augustine, FL 32084
Area337-Old Moultrie Rd/Wildwood
SubdivisionEntrada
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size11,761.2 sq ft
Parcel Number1011832480
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Pickleball, Playground
Community FeaturesSidewalks, Street Lights, Gated, Curbs
UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesGuest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Oven, Gas Range, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Garage, Upper Level, Washer Hookup

Exterior

Lot DescriptionCul-De-Sac, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Patio, Screened
FencingFenced, Back Yard
RoofShingle
ConstructionFrame, Vinyl Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedFebruary 6, 2026
Days on Market47
HOA Fees$143 / Quarterly
HOA FrequencyQuarterly
HOA NameDorado Homeowners Association
Tax Amount$7,917.31
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LPT REALTY LLC

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 Entrada

Entrada is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all Entrada homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 20, 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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