This home is in St. Augustine — a waterfront home in St. Johns County.
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Sold·Closed Apr 29, 2026·36 days on market·Recent sales in St. Augustine
649 Nautical Way
St. Augustine, FL 32080
About this home
St. Augustine
Price just reduced for a below market opportunity. Charming 3/2 concrete block home with rear water views. Split plan for bedrooms. Affordable living on Anastasia Island is available with this property sold ''as is'' inspection. Elderly, original owners now in transition. Here's an opportunity to design your interior living space with updating and make it sparkle. Wide, screened porch in rear offers serene water views and a place to relax, grill, chill, enjoy. Commodores Club is a popular, well cared for community with amenities. Enjoy a superb location, close to shopping, dining, beach, recreation, fishing, boating, library, post office, parks, entertainment, and historic downtown. A/C 2025, Roof 2017. New exterior painting completed 3/30/26.
Next steps in St. Augustine
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.
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 — 2017 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,788 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 homeThis 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
2025 property taxes (current owner): $2,107/yr
Estimated taxes if purchased at asking price: ~$6,800/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, 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 $306/sq ft; this home is listed at $296/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 644 Nautical Way, St. Augustine, FL 32080Listed by STA REALTY | Aug 2026 | $508,000 | $279 | 3/2 | 1,824 | 58 | 0 |
| 1301 Flagship Court, St. Augustine, FL 32080Listed by HERRON REAL ESTATE LLC | Aug 2026 | $480,000 | $267 | 3/2 | 1,796 | 56 | 0.1 |
| 2361 Commodores Club Boulevard, St. Augustine, FL 32080Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jun 2026 | $457,500 | $290 | 3/2 | 1,580 | 10 | 0.1 |
| 2448 Oleander Street, St. Augustine, FL 32080Listed by REALTY ONE GROUP ELEVATE | Aug 2026 | $438,000 | $306 | 3/2 | 1,430 | 3 | 0.4 |
| 493 Pyrus Street, St. Augustine, FL 32080Listed by WATSON REALTY CORP | Jul 2026 | $495,000 | $444 | 2/2 | 1,116 | 16 | 0.5 |
| 2576 S A1A, St. Augustine Beach, FL 32080Listed by NON MLS (realMLS) | Sep 2026 | $575,000 | $397 | 3/2 | 1,450 | 64 | 0.6 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: LPT REALTY LLC
Sold by: ENDLESS SUMMER REALTY (buyer's brokerage)
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Apr 29, 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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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines