This home is in St. Augustine.
Active·128 days on market
115 Sunset Harbor Way 101
St. Augustine, FL 32080
About this home
St. Augustine
Welcome to coastal living at its finest in this waterfront community in St.Augustine. A Boaters dream! Located in the gated marina enclave of Sunset Harbor, Unit 101 is a rare first-floor residence offering effortless access to amenities and direct boating convenience. Highlights Include: • First-floor, single-level living • Gated marina community • Boat Slip #27 included • 10,000 LB boat lift in slip • Direct Intracoastal access • Two private oversized garages (#3 & #4) - one of only two units with this feature • Close proximity to pool and hot tub • Public access to beach .8 miles to the right by Spyglass. 1 mile to the left at Green street. • Stunning sunsets and protected Intracoastal views • Minutes to Historic St. Augustine & Flagler Beach • Living room TV, surround sound speakers and security cameras & wine fridge to convey with sale. This is a rare opportunity to own one of the most desirable floor plans and garage configurations in Sunset Harbor.
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 | $759,900 | $759,900 | — |
| 2024 | $789,900 | $789,900 | — |
| 2023 | $752,605 | $724,900 | — |
| 2022 | $659,000 | $659,000 | — |
| 2021 | $484,000 | $391,312 | — |
| 2020 | $494,000 | $394,211 | — |
2025 property taxes (current owner): $10,278/yr
Estimated taxes if purchased at asking price: ~$15,700/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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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: material not specified — year not disclosed (home built 2005)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer & public water · St Johns County Utilities
County records show this parcel on central sewer served by St Johns County Utilities — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,709 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.
History
Price & status history
- Mar 17, 2026Listed$985,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: INI REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
Similar homes in St. Augustine
Active$825,000MLS# 2145199Est. $4,391/mo1718 Pepper Stone Court, St. Augustine, FL 320925 Beds3 Baths2,933 sqftResidentialUNITED REAL ESTATE GALLERY
Active Under Contract$800,000MLS# 2146616Est. $4,258/mo1885 County Road 13A N, St. Augustine, FL 320925 Beds3 Baths2,280 sqftResidentialKELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
Your Local Expert
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