This home is in Ocean Cay, St. Augustine Beach — a pool home in St. Johns County.
Sold·Closed Jul 22, 2026·82 days on market·Recent sales in Ocean Cay·Ocean Cay
281 Ocean Cay Boulevard
St. Augustine Beach, FL 32080
2 more homes for sale in Ocean Cay →Search Ocean Cay on the map
About this home
Ocean Cay
The Monterey floor plan in Ocean Cay features a large downstairs Primary bedroom with separate tub, shower and oversized walk-in closet. A separate downstairs flex room/office near the front for privacy. 3 upstairs bedrooms, two have walk in closets with 2 full baths and a huge loft area. Major features are a pavered driveway and walkway to the heated, saltwater pool, tile and hardwood floors, Triple Slider Patio door, screened porch, and a wide-open floor plan. The kitchen features upgraded cabinets with crown molding, Cambria Quartz kitchen counters, California bar island, pendant lights over the island, and a tiled backsplash. Aluminum Storm Shutters and IQ Fiber ready. A gated community, 1 mile from the beach and close to the Intracoastal. Exterior Key West/Coastal Design with tropical landscaping, every day here is a vacation. With one of the largest lots in the neighborhood, it's time to call Ocean Cay home.
Next steps in Ocean Cay
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, Shingle — year not disclosed (home built 2017)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,806 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 | $696,930 | $400,757 | — |
| 2024 | $684,605 | $388,755 | — |
| 2023 | $630,876 | $375,976 | — |
| 2022 | $607,545 | $363,569 | — |
| 2021 | $455,259 | $145,761 | — |
| 2020 | $395,979 | $0 | — |
2025 property taxes (current owner): $5,916/yr
Estimated taxes if purchased at asking price: ~$12,000/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.
History
Price & status history
- Aug 7, 2026Closed$775,000
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 $422/sq ft; this home is listed at $266/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 401 Fiddlers Point Drive, St. Augustine, FL 32080Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $1,535,000 | $537 | 4/3 | 2,861 | 7 | 0.4 |
| 348 Fiddlers Point Drive, St. Augustine, FL 32080Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $1,050,000 | $436 | 3/2 | 2,408 | 15 | 0.5 |
| 606 Teeside Court, St. Augustine Beach, FL 32080Listed by BERKSHIRE HATHAWAY HOME SERVICES FLORIDA NETWORK | Jun 2026 | $646,000 | $304 | 3/2 | 2,126 | 177 | 0.5 |
| 909 Spring Lake Court, St. Augustine, FL 32080Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $825,000 | $320 | 4/3 | 2,575 | 5 | 0.6 |
| 3 Geberts Way, St. Augustine, FL 32080Listed by LIGHTHOUSE REALTY ASSOCIATES | Aug 2026 | $1,000,000 | $412 | 3/3.5 | 2,427 | 7 | 0.7 |
| 2502 Oleander Street, St. Augustine, FL 32080Listed by COLOUR HOMES REALTY | Jul 2026 | $1,010,000 | $422 | 4/3.5 | 2,395 | 91 | 0.8 |
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: EXP REALTY LLC
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 Ocean Cay
Ocean Cay is a neighborhood in Jacksonville Beach, FL (St. Johns County), ZIP 32080.
View all Ocean Cay homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 22, 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