This home is in St. Augustine.

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Active Under Contract

Active Under Contract·116 days on market

429 Altara Drive

St. Augustine, FL 32086

$449,000$301/sqftEst. $2,390/moMLS# 2136052

Beds

Baths

1,490

Sq Ft

1981

Built

Garage

Pool

About this home

St. Augustine

Welcome to this classic concrete block 3-bedroom, 2-bath home in the highly desirable St. Augustine Shores community--perfectly positioned on an oversized lot with mature trees & scenic lake views. Inside, you'll find a thoughtfully updated interior featuring tile flooring throughout for easy maintenance and a clean, cohesive look. The home has been well cared for with major system updates already completed, offering peace of mind for years to come. Step outside to your spacious 20x14 screened porch--an ideal spot to relax, entertain, or simply take in the tranquil water views and abundant wildlife. An additional open patio provides even more space for outdoor living and enjoying Florida's beautiful weather. This home is packed with practical upgrades, including newer windows with hurricane shutters, full home repiping, new ductwork, and a whole-house water filtration system.

Cost to own

Mortgage calculator

Home Price

$449,000

Down Payment: 20%

$89,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,268

Principal & Interest: $2,268

Est. Taxes & Insurance: $567

Estimated Total Monthly

$2,835

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$2,390

Property taxesest. at asking price, St. Johns County$597

HOAbilled monthly$34

Estimated total, before insurance$3,021/mo

• 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	$341,143	$116,950	—
2024	$337,973	$112,947	—
2023	$327,695	$108,201	—
2022	$302,420	$103,593	—
2021	$204,632	$99,119	—
2020	$204,064	$94,403	—

2025 property taxes (current owner): $2,070/yr

Estimated taxes if purchased at asking price: ~$7,200/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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 1981)

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: ~1,659 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 home

Informational 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

Mar 21, 2026Listed$449,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$449,000

Price / Sq Ft$301

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,490

Total Structure Area2,818 sq ft

Acres0.30 acres

Year Built1981

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryW. D. Hartley

MiddleGamble Rogers

HighPedro Menendez

Community Information

Address429 Altara Drive, St. Augustine, FL 32086

Area334-Moultrie/St Augustine Shores

SubdivisionSt Augustine Shores

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Lot Size13,068 sq ft

Parcel Number2841620050

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Maintenance Grounds, Park, RV/Boat Storage

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street

ViewPond

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Primary Bathroom - Tub with Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Exterior FeaturesCourtyard, Storm Shutters

Patio / PorchCovered, Front Porch, Patio, Porch, Screened

RoofShingle

ConstructionBlock

Other StructuresShed(s)

Road SurfaceAsphalt

Additional Information

Date ListedMarch 21, 2026

Days on Market76

HOA Fees$34 / Monthly

HOA FrequencyMonthly

HOA Fee IncludesMaintenance Grounds

Tax Amount$2,070.48

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Your Local Expert

Krista Fracke

Broker Associate

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