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This home is in St Augustine Shores, St. Augustine — a golf course home in St. Johns County.

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Sold

Sold·Closed Jun 18, 2026·10 days on market·Recent sales in St Augustine Shores·St Augustine Shores

956 Espinado Avenue

St. Augustine, FL 32086

$356,000sold priceListed at $369,000 · 96.5% of asking$246/sqftMLS# 2142052

Beds

Baths

1,447

Sq Ft

1980

Built

Garage

Pool

26 more homes for sale in St Augustine Shores →Search St Augustine Shores on the map

HOA $34/mo7,841 sqft lotSingle Family Residence1 story

About this home

St Augustine Shores

956 Espinado Ave delivers the kind of move-in-ready feel buyers are chasing but rarely find. Set beneath a canopy of mature oaks in St. Augustine Shores, this 3-bedroom, 2-bath home offers 1,447 square feet of well-designed living space with a one-car garage, a large screened porch, and the easy lifestyle that makes this neighborhood so loved. Inside, the home feels warm, fresh, and effortlessly pulled together. Dark laminate floors, crown molding, soft neutral tones, and beautiful natural light give each space a polished feel that is both inviting and easy to imagine living in. The kitchen stands out with crisp white cabinetry, stainless steel appliances, subway tile backsplash, updated fixtures, and a skylight that keeps the space bright and cheerful throughout the day. From the open living and dining areas to the comfortable bedroom layout and seamless connection to the outdoor spaces, this home is designed for the way you actually live.

Next steps in St Augustine Shores

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,972

Property taxesest. at asking price, St. Johns County$474

HOAbilled monthly$34

Estimated total, before insurance$2,479/mo

• 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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$356,000

Down Payment: 20%

$71,200

Interest Rate: 7.40%

Loan Term

Monthly Payment

$1,972

Principal & Interest: $1,972

Property taxes (est.): $474

Insurance (est.): $237

Estimated Total Monthly

$2,683

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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: Shingle — year not disclosed (home built 1980)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,697 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 home

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.

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 $248/sq ft; this home is listed at $255/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
480 Diosa Court, St. Augustine Shores, FL 32086Listed by WATSON REALTY CORP	Oct 2026	$351,000	$243	3/2	1,447	80	0.2
474 Casuarina Circle, St. Augustine, FL 32086Listed by PUBLIC SERVICES REALTY	Aug 2026	$305,000	$212	2/2	1,438	28	0.2
429 Altara Drive, St. Augustine, FL 32086Listed by FLORIDA HOMES REALTY & MTG LLC	Jul 2026	$388,000	$260	3/2	1,490	76	0.3
398 Madruga Avenue, St. Augustine, FL 32086Listed by WATSON REALTY CORP	Jun 2026	$205,000	$166	2/2	1,237	190	0.3
4010 Barbara Terrace, St. Augustine, FL 32086Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY	Jul 2026	$415,000	$248	3/2	1,676	9	0.5
1023 Viscaya Boulevard, St. Augustine, FL 32086Listed by IHEART REALTY INC	Jun 2026	$375,000	$277	3/2	1,356	21	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

Price$369,000

Price / Sq Ft$255

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,447

Total Structure Area2,091 sq ft

Acres0.18 acres

Year Built1980

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusClosed

# of Garages1

Has PoolNo

Is WaterfrontNo

School Information

ElementaryW. D. Hartley

MiddleGamble Rogers

HighPedro Menendez

Community Information

Address956 Espinado Avenue, St. Augustine, FL 32086

Area334-Moultrie/St Augustine Shores

SubdivisionSt Augustine Shores

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Lot Size7,840.8 sq ft

Lot Dimensions99.6x82.19x99.95x77.85

Parcel Number284132 0050

ZoningResidential

Amenities

AmenitiesPool, Other, Basketball Court, Clubhouse, Golf Course, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Racquetball, Tennis Court(s)

Community FeaturesFishing

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Garage, Washer Hookup

Exterior

Exterior FeaturesFire Pit

Lot DescriptionSprinklers In Rear

Patio / PorchFront Porch, Patio, Rear Porch, Screened

FencingBack Yard, Wood

RoofShingle

ConstructionBlock, Concrete

Road FrontageCounty Road

Additional Information

Date ListedApril 26, 2026

Days on Market10

HOA Fees$33.73 / Monthly

HOA FrequencyMonthly

HOA NameSt. Augustine Shores Services Corp

HOA Fee IncludesMaintenance Grounds

Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: LPT 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 St Augustine Shores

St Augustine Shores is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.

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