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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 Ravenswood Village, St. Augustine.

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Sold

Sold·Closed Jul 30, 2026·40 days on market·Recent sales in Ravenswood Village·Ravenswood Village

98 Vidalia Ridge Road

St. Augustine, FL 32084

$210,000sold priceListed at $210,000 · 100% of asking$189/sqftMLS# 2129883
2
Beds
2.5
Baths
1,109
Sq Ft
2023
Built
—
Garage
No
Pool

5 more homes for sale in Ravenswood Village →Search Ravenswood Village on the map

FEMA Zone XHOA $108/mo1,307 sqft lotTownhouse2 stories

About this home

Ravenswood Village

Short Sale - Subject to lender approval. Well-maintained 2-bedroom, 2.5-bath townhome built in 2023 located in Ravenswood Village. This two-story property offers an open-concept main living area, spacious bedrooms, and a private patio.

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$1,163
Property taxesest. at asking price, St. Johns County$279
HOAbilled quarterly$108
Estimated total, before insurance$1,551/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,199/yr · $100/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

$210,000
$42,000
Loan Term
Monthly Payment
$1,163
Principal & Interest: $1,163
Property taxes (est.): $279
Insurance (est.): $140
Estimated Total Monthly
$1,583
*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.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — year not disclosed (home built 2023)

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

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.

Cost to own

Taxes & assessment

Last sold: $2,242,800 in March 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$191,909$76,734—
2024$40,000$40,000—

2025 property taxes (current owner): $1,199/yr

Estimated taxes if purchased at asking price: ~$3,400/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 30, 2026Closed$210,000
  • Apr 15, 2026Listed$210,000

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 $206/sq ft; this home is listed at $189/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
120 Vidalia Ridge Road, St. Augustine, FL 32084Listed by WATSON REALTY CORPJun 2025$228,000$2062/2.51,109190
57 Elmhurst Lane, St. Johns, FL 32084Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJun 2026$210,000$1892/2.51,109520.1
520 Florida Club Boulevard 208, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2026$180,000$2161/1832350.6
520 Florida Club Boulevard 108, St. Augustine, FL 32084Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$177,000$2131/18321030.6
510 Florida Club Boulevard 302, St. Augustine, FL 32084Listed by ST AUGUSTINE REALTYJun 2026$128,000$1541/1832100.6
510 Florida Club Boulevard 304, St. Augustine, FL 32084Listed by ST AUGUSTINE REALTYMay 2026$185,000$1842/11,0041180.6

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

Price$210,000
Price / Sq Ft$189
Bedrooms2
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,109
Acres0.03 acres
Year Built2023
TypeResidential
Sub-TypeTownhouse
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address98 Vidalia Ridge Road, St. Augustine, FL 32084
Area336-Ravenswood/West Augustine
SubdivisionRavenswood Village
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size1,306.8 sq ft
Parcel Number0948523150
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAssigned

Interior

AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories2

Additional Information

Date ListedApril 15, 2026
Days on Market40
HOA Fees$325.4 / Quarterly
HOA FrequencyQuarterly
Tax Amount$1,199.18
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

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 Ravenswood Village

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

View all Ravenswood Village homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 30, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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