This home is in Sebastian Harbor Villas, St. Augustine — a waterfront home in St. Johns County.
Sold·Closed Jul 21, 2026·33 days on market·Recent sales in Sebastian Harbor Villas·Sebastian Harbor Villas
945 S Ponce De Leon Boulevard
St. Augustine, FL 32084
4 more homes for sale in Sebastian Harbor Villas →Search Sebastian Harbor Villas on the map
About this home
Sebastian Harbor Villas
Great location on the San Sebastian River! This inviting 2BR/2BA tri-level condo with an attached 1-car garage is just minutes from downtown and the beach. The entire exterior has been beautifully refreshed with brand-new paint, giving the home a clean, modern look and exceptional curb appeal. Enjoy boating with your deeded 37' deepwater boat slip (10.5 ft depth) offering direct river access. The second floor features a bright main living area with kitchen, family/dining space, full bath, and private balcony. The updated kitchen includes granite countertops, tile backsplash, and stainless steel appliances, while the main level showcases stylish wood-look plank tile flooring. Newer carpet on the stairs and in the bedrooms adds comfort. The third-floor primary loft offers a walk-in closet and private bath, creating a relaxing retreat. The first floor includes a second bedroom--ideal for an office or flex space--along with a laundry room and garage access.
Next steps in Sebastian Harbor Villas
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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Metal — year not disclosed (home built 1986)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,803 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 homeThis 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 | $285,000 | $190,536 | — |
| 2024 | $305,116 | $184,459 | — |
| 2023 | $305,116 | $177,630 | — |
| 2022 | $221,000 | $171,000 | — |
| 2021 | $183,000 | $183,000 | — |
| 2020 | $183,000 | $183,000 | — |
2025 property taxes (current owner): $3,974/yr
Estimated taxes if purchased at asking price: ~$4,900/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$325,000
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 $190/sq ft; this home is listed at $290/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 159 Marine Street 105, St. Augustine, FL 32084Listed by ROUND TABLE REALTY | Aug 2026 | $515,000 | $367 | 3/2 | 1,403 | 435 | 1 |
| 159 Marine Street 205, St. Augustine, FL 32084Listed by ROUND TABLE REALTY | Jun 2026 | $450,000 | $321 | 3/2 | 1,403 | 443 | 1 |
| 145 Whitland Way, St. Augustine, FL 32086Listed by VREELAND REAL ESTATE LLC | Aug 2026 | $215,000 | $178 | 2/2.5 | 1,211 | 54 | 1.3 |
| 82 Whitland Way, St. Augustine, FL 32086Listed by UNITED REAL ESTATE GALLERY | Aug 2025 | $255,000 | $190 | 2/2.5 | 1,341 | 164 | 1.4 |
| 440 S Villa San Marco Drive 201, St. Augustine, FL 32086Listed by WATSON REALTY CORP | Sep 2026 | $200,000 | $159 | 3/2 | 1,260 | 100 | 1.5 |
| 405 S Villa San Marco Drive 208, St. Augustine, FL 32086Listed by CROSSVIEW REALTY | Aug 2026 | $197,000 | $156 | 3/2 | 1,260 | 12 | 1.5 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD 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.
The neighborhood
About Sebastian Harbor Villas
Sebastian Harbor Villas is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.
View all Sebastian Harbor Villas homes for sale →Keep looking
More homes in Sebastian Harbor Villas
For Sale943 S Ponce De Leon BoulevardSt. Augustine, FL 32084
2 bd · 2 ba · 1,120 sq ft
$305,000Est. $1,623/moFor buyers looking for a condo with a deeded boat slip and direct water access, this is one of the best values you will…
Listing Office: endless summer realty
For Sale931 S Ponce De Leon BoulevardSt. Augustine, FL 32084
2 bd · 2.5 ba · 1,200 sq ft
$525,000Est. $2,794/moCONDO WITH PRIVATE BOAT SLIP! Experience the ultimate coastal lifestyle in this beautifully updated waterfront…
Listing Office: maxrev, llc
For Sale915 S Ponce De Leon BoulevardSt. Augustine, FL 32084
2 bd · 2.5 ba · 1,200 sq ft
$529,000Est. $2,816/moWaterfront living with a relaxed coastal feel, just minutes from downtown St. Augustine. This beautifully updated…
Listing Office: house & haven
For Sale927 S Ponce De Leon BoulevardSt. Augustine, FL 32084
2 bd · 2.5 ba · 1,200 sq ft
$549,000Est. $2,922/moWake up to endless views of the San Sebastian River and experience waterfront living just minutes from the heart of…
Listing Office: house & haven
Keep looking
Similar homes in St. Augustine
Explore the area
More in Sebastian Harbor Villas
Sebastian Harbor Villas guides & reports
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