This home is in St. Augustine Beach.
Active Under Contract·118 days on market
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.
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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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.
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: ~$17,500/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.
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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- 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.
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 by realMLS (Northeast Florida MLS).
Keep looking
Similar homes in St. Augustine Beach
Active$995,000MLS# 2146780Est. $5,296/mo108 E Street A B, St. Augustine Beach, FL 320804 Beds2 Baths1,728 sqftResidential IncomeUS REALTY HUB
Active$1,199,000MLS# 2131276Est. $6,382/mo2 10th Street 6, St. Augustine Beach, FL 320802 Beds2 Baths1,134 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.
Contact KristaText 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