This home is in Andalusia, St. Augustine — a waterfront home in St. Johns County.
Active Under Contract·167 days on market·Andalusia
115 Sierras Loop
St. Augustine, FL 32086
About this home
Andalusia
Andalusia pool home with pond and preserve views has it all and offers many options for flexible living needs. Move right in because all of the upgrades have already been done for you. A large screened in heated saltwater pool and a covered lanai flow seamlessly from your open concept great room/dining and kitchen for the best in indoor to outdoor living. This 4 bdr, 2.5 ba with primary on the main also has an upstairs extra spacious bonus area for secondary living. Enjoy newly updated kitchen cabinetry, quartz counters & backsplash, appliances, light fixtures and window coverings throughout. The primary has a large owners bath with a separate tub and shower and an oversized walk in closet. The pool area is fabulous with a covered lanai and a fully fenced yard, lush landscaping & paver areas and irrigation which round out the well thought out details.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $399,962 | $286,150 | — |
| 2024 | $385,118 | $228,235 | — |
| 2023 | $375,083 | $220,131 | — |
| 2022 | $352,507 | $212,263 | — |
| 2021 | $254,624 | $204,624 | — |
| 2020 | $242,228 | $181,549 | — |
2025 property taxes (current owner): $4,349/yr
Estimated taxes if purchased at asking price: ~$8,800/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 (2025), NEFMLS.
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2016)
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 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.
History
Price & status history
- Aug 4, 2026Active Under Contract$548,000
- Jul 17, 2026Price change$548,000−$17,000
- Mar 14, 2026Listed$565,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Andalusia
Andalusia is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.
View all Andalusia homes for sale →Listing Courtesy of: THOMPSON REALTY & DEVELOPMENT INC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Andalusia
Active$625,000MLS# 2149853Est. $3,327/mo210 Sierras Loop, St. Augustine, FL 320865 Beds4 Baths2,906 sqftSave Thousands at Closing! Eligible buyers can receive up to a 1% credit toward closing costs or an interest rate…
ResidentialREALTY ONE GROUP ELEVATE
Active$397,000MLS# 2151756Est. $2,113/mo589 Seville Parkway, St. Augustine, FL 320864 Beds2 Baths1,804 sqftWelcome home to this beautifully maintained one-story residence offering over 1,800 square feet of comfortable living…
ResidentialCOLDWELL BANKER ANABASIS REALTY
For Rent$2,600/moMLS# 2152506589 Seville Parkway, St. Augustine, FL 320864 Beds2 Baths1,804 sqftWelcome home to this beautifully maintained one-story residence offering over 1,800 square feet of comfortable living…
Residential LeaseCOLDWELL BANKER ANABASIS REALTY
Keep looking
Similar homes in St. Augustine
Explore the area
More in Andalusia
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines