This home is in Pelican Reef, St. Augustine — a home near St. Augustine High School.
Sold·Closed Jul 14, 2026·109 days on market·Recent sales in Pelican Reef·Pelican Reef
120 Oyster Catcher Circle
St. Augustine, FL 32080
All Pelican Reef homes for sale →Search Pelican Reef on the map
About this home
Pelican Reef
A truly one of a kind opportunity in the coveted waterfront community of Pelican Reef on Anastasia Island. 120 Oyster Catcher Circle is an upscale Spanish-inspired concrete block residence offering privacy, thoughtful design, and an exceptional Island lifestyle in one of St. Augustine's most desirable gated neighborhoods. Spanning just under 3,400 square feet, this beautifully designed home features four bedrooms, four full bathrooms, a dedicated home office, and a three car garage. The circular front drive creates an elegant arrival experience, while additional side parking offers convenience for guests and everyday living. Inside, soaring ceilings and a highly functional open floor plan immediately create a sense of volume and flow. The living room, dining area, and kitchen connect seamlessly, making the home ideal for both entertaining and comfortable daily living. Natural light fills the space, enhancing the architectural details and inviting atmosphere throughout.
Next steps in Pelican Reef
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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: Tile — year not disclosed (home built 2006)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)
County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,817 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 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,150,770 | $606,916 | — |
| 2024 | $1,080,034 | $593,963 | — |
| 2023 | $926,157 | $575,207 | — |
| 2022 | $844,986 | $556,997 | — |
| 2021 | $643,719 | $539,317 | — |
| 2020 | $581,180 | $531,180 | — |
2025 property taxes (current owner): $12,344/yr
Estimated taxes if purchased at asking price: ~$15,200/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.
History
Price & status history
- Jul 16, 2026Closed$1,100,000
- Apr 15, 2026Listed$1,100,000
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 $534/sq ft; this home is listed at $325/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 115 Spoonbill Point Court, St. Augustine, FL 32080Listed by LOKATION | Aug 2026 | $852,400 | $323 | 4/3 | 2,635 | 48 | 0.2 |
| 143 Washington Street, St. Augustine, FL 32084Listed by THE WILKINS WAY | Aug 2026 | $1,450,000 | $606 | 3/2.5 | 2,394 | 196 | 1.2 |
| 290 St. George Street, St. Augustine, FL 32084Listed by MAXREV, LLC | Aug 2026 | $1,645,000 | $534 | 4/3.5 | 3,080 | 84 | 1.3 |
| 281 Ocean Cay Boulevard, St. Augustine Beach, FL 32080Listed by EXP REALTY LLC | Jul 2026 | $750,000 | $258 | 4/3.5 | 2,909 | 82 | 1.3 |
| 107 Arpieka Avenue, St. Augustine, FL 32080Listed by DJ & LINDSEY REAL ESTATE | Jun 2026 | $732,000 | $250 | 4/2 | 2,927 | 28 | 1.4 |
| 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 | 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: THE NEWCOMER GROUP
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 Pelican Reef
Pelican Reef is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32080.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 14, 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
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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