This home is in St. Augustine Beach — a gated community home in St. Johns County.
Sold·Closed Jul 22, 2026·111 days on market·Recent sales in St. Augustine
125 Island Hammock Way
St. Augustine Beach, FL 32080
About this home
St. Augustine Beach
Nestled on an expansive, park-like lot beneath a cathedral canopy of mature live oaks, this all-sided brick estate is the kind of property that simply doesn't come to market twice. Set within a private gated enclave just minutes from St. Augustine's world-famous beaches, 125 Island Hammock Way delivers the best of Florida living -- serene natural surroundings, walkable community charm, and sophisticated custom craftsmanship -- all under one roof. Built for those who refuse to compromise, this single-story custom residence spans 3,113 square feet of thoughtfully designed living space, offering 3 bedrooms, 2½ baths, and a private den. Four-sided solid brick construction means enduring curb appeal and low-maintenance ownership -- a distinction rare even in luxury communities. Inside, 10-foot ceilings, rich hardwood floors, and elegant crown molding set an immediate tone of refined elegance.
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.
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: Shingle — year not disclosed (home built 1998)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts
County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,763 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,040,903 | $444,659 | — |
| 2024 | $1,019,168 | $431,420 | — |
| 2023 | $888,669 | $417,398 | — |
| 2022 | $827,010 | $403,784 | — |
| 2021 | $621,399 | $390,567 | — |
| 2020 | $592,468 | $384,484 | — |
2025 property taxes (current owner): $7,979/yr
Estimated taxes if purchased at asking price: ~$16,400/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
- Jul 22, 2026Closed$1,099,000
- Jul 9, 2026Active Under Contract$1,099,000
- Mar 19, 2026Listed$1,099,000
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 $422/sq ft; this home is listed at $353/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 972 Saltwater Circle, St. Augustine, FL 32080Listed by ENDLESS SUMMER REALTY | Oct 2026 | $599,000 | $260 | 3/2.5 | 2,308 | 81 | 0.2 |
| 2502 Oleander Street, St. Augustine, FL 32080Listed by COLOUR HOMES REALTY | Jul 2026 | $1,010,000 | $422 | 4/3.5 | 2,395 | 91 | 0.2 |
| 105 Spanish Oaks Lane, St. Augustine, FL 32080Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2025 | $949,000 | $356 | 4/3 | 2,664 | 133 | 0.2 |
| 472 Ridgeway Road, St. Augustine, FL 32080Listed by PONTE VEDRA CLUB REALTY, INC. | Sep 2026 | $1,445,000 | $530 | 4/3 | 2,727 | 73 | 0.3 |
| 315 Ridgeway Road, St. Augustine Beach, FL 32080Listed by MAXREV, LLC | Sep 2026 | $1,000,000 | $451 | 4/3 | 2,218 | 75 | 0.3 |
| 3 Geberts Way, St. Augustine, FL 32080Listed by LIGHTHOUSE REALTY ASSOCIATES | Aug 2026 | $1,000,000 | $412 | 3/3.5 | 2,427 | 7 | 0.3 |
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: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
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.
Keep looking
Similar homes in St. Augustine Beach
Explore the area
More in St. Augustine
St. Augustine guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 22, 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
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