This home is in Andalusia, St. Augustine — a waterfront home in St. Johns County.
Sold·Closed Sep 4, 2026·143 days on market·Recent sales in Andalusia·Andalusia
115 Sierras Loop
St. Augustine, FL 32086
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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.
Next steps in Andalusia
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.
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.
Sun & Light
Southwest-facing backyard — long light and winter sunsets
The listing reports the home facing northeast, which puts the backyard and pool on the southwest side. Today at this address: sunrise 7:27 AM, sunset 6:55 PM.
- Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.
- The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
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 | $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.
History
Price & status history
- Sep 12, 2026Closed$548,000
- 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.
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 $267/sq ft; this home is listed at $242/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1191 Brookside Court, St. Augustine, FL 32086Listed by WATSON REALTY CORP | Sep 2026 | $770,000 | $267 | 4/2.5 | 2,884 | 131 | 0.4 |
| 189 Onyx Court, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jun 2026 | $555,000 | $202 | 5/3.5 | 2,753 | 13 | 0.4 |
| 217 S Shadowwood Drive, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jul 2026 | $700,000 | $339 | 3/2 | 2,067 | 41 | 0.5 |
| 535 Aventurine Avenue, St. Augustine, FL 32086Listed by MOSS REALTY | Jun 2026 | $435,000 | $201 | 4/2.5 | 2,164 | 80 | 0.6 |
| 832 White Eagle Circle, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Aug 2026 | $444,000 | $259 | 3/2 | 1,711 | 63 | 1 |
| 3345 Kings Road S, St. Augustine, FL 32086Listed by INTEGRITY KEY REALTY LLC | Oct 2026 | $520,000 | $286 | 3/2 | 1,818 | 29 | 1.1 |
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: THOMPSON REALTY & DEVELOPMENT INC.
Sold by: WATSON REALTY CORP (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.
The neighborhood
About Andalusia
Andalusia 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 4, 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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