This home is in St. Augustine.
Active·105 days on market
117 Island Cottage Way
St. Augustine, FL 32080
About this home
St. Augustine
Original Homeowner. Gated community of 23 homes. Unique properties where as the attached garages are located in the back alley way. 4 Bedrooms, (MBR main floor.) and office and a ''Flex'' room. The first 10 years of this home was used as only a 2nd home, Stayed 1-2 weeks per year. It has been lived in full time since 2016. Several upgrades when the home was built, such as central vacuum, Thermador appliances, Surround sound with controlled speakers in every room including the garage. Tankless water heater. Dual FAU. (One for each floor.) Porcelain tile. Timeless Granite counter tops. Kohler fixtures, Jacuzzi tub in the MBR.
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 | $635,918 | $402,409 | — |
| 2024 | $561,917 | $390,361 | — |
| 2023 | $551,449 | $377,535 | — |
| 2022 | $594,294 | $365,083 | — |
| 2021 | $402,993 | $352,993 | — |
| 2020 | $392,393 | $392,393 | — |
2025 property taxes (current owner): $5,938/yr
Estimated taxes if purchased at asking price: ~$14,000/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: Metal — year not disclosed (home built 2006)
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: ~1,773 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
- Apr 2, 2026Listed$879,000
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: HOUWZER, INC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
Similar homes in 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.
Text 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