This home is in St Augustine South, St. Augustine — a waterfront home in St. Johns County.
Sold·Closed Sep 25, 2026·138 days on market·Recent sales in St Augustine South·St Augustine South
2406 Shore Drive
St. Augustine, FL 32086
17 more homes for sale in St Augustine South →Search St Augustine South on the map
About this home
St Augustine South
Welcome to 2406 Shore Drive, where a meandering road hugs the Matanzas River and leads you to an elegant waterfront retreat. Set on an elevated corner lot, this custom home captures sweeping panoramic river views and the relaxed charm of St. Augustine living. Originally built in 1956 and beautifully reimagined 2023, the 4-bedroom, 4-bath residence offers approximately 4,000 sq ft of thoughtfully designed living space filled with natural light and stunning water vistas from the open main living areas. Comfort and craftsmanship blend seamlessly throughout, creating a home designed for gathering and it presents itself beautifully for MULTI GENERATIONAL LIVING. A breezeway connects to a four-car garage topped with a fully equipped, spacious studio apartment--ideal for guests, extended family, or additional income. STR eligible, this property presents a rare opportunity for both personal enjoyment and investment potential, all just minutes from historic downtown St. Augustin
Next steps in St Augustine South
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 — 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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Metal — year not disclosed (home built 1956)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,613 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 | $529,945 | $465,540 | — |
| 2024 | $524,209 | $423,218 | — |
| 2023 | $469,010 | $384,744 | — |
| 2022 | $483,048 | $349,767 | — |
| 2021 | $318,156 | $317,970 | — |
| 2020 | $289,064 | $289,064 | — |
2025 property taxes (current owner): $7,093/yr
Estimated taxes if purchased at asking price: ~$21,500/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
- Sep 26, 2026Closed$1,450,000
- Jul 28, 2026Pending$1,450,000
- Mar 14, 2026Listed$1,450,000
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 $468/sq ft; this home is listed at $376/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2240 Shore Drive, St. Augustine, FL 32086Listed by LPT REALTY LLC | Jun 2026 | $791,900 | $249 | 4/3 | 3,183 | 25 | 0.3 |
| 401 Fiddlers Point Drive, St. Augustine, FL 32080Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $1,535,000 | $537 | 4/3 | 2,861 | 7 | 1.1 |
| 170 Herons Nest Lane, St. Augustine, FL 32080Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $1,820,000 | $468 | 5/4.5 | 3,890 | 33 | 1.1 |
| 188 Herons Nest Lane, St. Augustine, FL 32080Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $1,850,000 | $482 | 3/3 | 3,842 | 0 | 1.2 |
| 281 Ocean Cay Boulevard, St. Augustine Beach, FL 32080Listed by EXP REALTY LLC | Jul 2026 | $750,000 | $258 | 4/3.5 | 2,909 | 82 | 1.5 |
| 725 Andrew Avenue, St. Augustine, FL 32086Listed by NON MLS (realMLS) | Jul 2026 | $780,000 | $278 | 3/2 | 2,802 | 17 | 1.8 |
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: OCEAN ONE REAL ESTATE GROUP 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 St Augustine South
St Augustine South is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 25, 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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