This home is in St. Augustine — a home near St. Augustine High School.
Sold·Closed Jul 21, 2026·82 days on market·Recent sales in St. Augustine
1148 Tocoi Road
St. Augustine, FL 32084
About this home
St. Augustine
$10,000 CLOSING COST SELLER INCENTIVE! Built in 2020, you can forget about the ''old house'' headaches. Enjoy a 6-year-young roof, HVAC, and electric system, all wrapped in durable fiber-cement siding. Two spacious bedrooms offer the ideal setup for a roommate, a home office, or a guest wing. The primary bathroom features a sleek walk-in shower for that spa-like feel. The open-concept Great Room flows seamlessly into a crisp, modern kitchen featuring an electric range and built-in microwave. Backyard has a firepit with a wooden pathway and plenty of room to host a private party. You've got NO HOA and NO CDD fees here. Bring your toys, your personal style, and your peace of mind. Perfectly positioned within walking and biking distance to both M J Murray Middle School and Webster Elementary. Instant access to the basketball and tennis courts. Cruise on your bike to Flagler College, the Castillo de San Marcos, and the vibrant dining scene of St. George Street in minutes.
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — year not disclosed (home built 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,486 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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
Last sold: $261,000 in June 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $190,405 | $190,405 | — |
| 2025 | $323,027 | $237,728 | — |
| 2024 | $203,998 | $153,998 | — |
| 2024 | $323,400 | $230,321 | — |
| 2023 | $198,648 | $148,648 | — |
| 2023 | $344,270 | $222,157 | ▲ $7,946 |
| 2022 | $152,660 | $152,660 | — |
| 2022 | $324,656 | $215,791 | — |
| 2021 | $139,938 | $139,938 | — |
| 2021 | $258,050 | $208,050 | — |
| 2020 | $32,100 | $24,924 | — |
| 2020 | $252,011 | $252,011 | — |
2025 property taxes (current owner): $2,909/yr
Estimated taxes if purchased at asking price: ~$3,900/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$247,500
- Mar 27, 2026Listed$247,500
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 $270/sq ft; this home is listed at $317/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 290 S Holmes Boulevard, St. Augustine, FL 32084Listed by US REALTY HUB | Jul 2026 | $234,900 | $256 | 3/1 | 916 | 66 | 0.4 |
| 212 Aiken Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Apr 2025 | $230,000 | $244 | 3/1 | 941 | 216 | 0.9 |
| 627 Cathedral Place, St. Augustine, FL 32084Listed by ALLIANCE REALTY & FINANCIAL SERVICES, INC | Sep 2026 | $295,000 | $405 | 2/1 | 728 | 102 | 1 |
| 1895 Deer Run Road, St. Augustine, FL 32084Listed by MAXREV, LLC | Jul 2026 | $1,400,000 | $1,389 | 1/1 | 1,008 | 183 | 1 |
| 591 Julia Street, St. Augustine, FL 32084Listed by LOKATION | Jun 2026 | $234,000 | $255 | 3/1 | 916 | 53 | 1 |
| 533 S Rodriquez Street, St. Augustine, FL 32084Listed by US REALTY HUB | Jun 2026 | $270,000 | $270 | 3/2 | 1,000 | 122 | 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
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: ERA ONETEAM REALTY
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 21, 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