This home is in Davis Shores, St. Augustine — a home near St. Augustine High School.
Sold·Closed Sep 4, 2026·72 days on market·Recent sales in Davis Shores·Davis Shores
102 Zoratoa Avenue
St. Augustine, FL 32080
24 more homes for sale in Davis Shores →Search Davis Shores on the map
About this home
Davis Shores
Davis Shores Investment Cottage with Detached ADU -- Steps from the Bridge of Lions. A rare 1948 St. Augustine cottage with the kind of location investors and legacy-minded buyers chase for years. Tucked into Davis Shores just steps from the Bridge of Lions, this dual-living property delivers two separate income streams on one walkable, in-demand lot. The main house is pure old-Florida charm -- original hardwood floors, a bright living space, 2 bedrooms and 1.5 baths, and a screened porch with peeks of the Intracoastal where morning coffee hits different. The private fenced backyard offers room to relax, garden, or entertain after a day at the beach. The detached above-garage ADU was fully renovated in 2023 -- a true 1-bedroom studio with full bath, eat-in continental kitchen, and its own private fenced courtyard. Ideal for a short-term rental, long-term tenant, in-law suite, or guest quarters. Off-street parking serves both units independently.
Next steps in Davis Shores
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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: Shingle — year not disclosed (home built 1948)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,763 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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:28 AM, sunset 6:54 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $431,894 | $431,894 | — |
| 2024 | $453,053 | $450,142 | — |
| 2023 | $466,961 | $409,220 | — |
| 2022 | $420,315 | $372,018 | — |
| 2021 | $338,198 | $338,198 | — |
| 2020 | $206,037 | $186,349 | — |
2025 property taxes (current owner): $8,635/yr
Estimated taxes if purchased at asking price: ~$6,900/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
- Sep 4, 2026Closed$435,000
- Jul 16, 2026Pending$435,000
- Jul 10, 2026Active Under Contract$435,000
- Jul 8, 2026Price change$435,000−$100,000
- Apr 29, 2026Listed$535,000
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 $378/sq ft; this home is listed at $242/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 103 Coronado Street, St. Augustine, FL 32080Listed by LPT REALTY LLC | Jun 2026 | $485,000 | $290 | 4/2.5 | 1,675 | 52 | 0.2 |
| 304 Ribault Street, St. Augustine, FL 32080Listed by MAXREV, LLC | Jul 2026 | $900,000 | $432 | 4/2.5 | 2,084 | 28 | 0.3 |
| 310 Andreas Street, St. Augustine, FL 32080Listed by TEAM 100 REALTY | Jun 2026 | $480,000 | $378 | 3/2 | 1,271 | 20 | 0.3 |
| 5 Solano Avenue, St. Augustine, FL 32080Listed by PONTE VEDRA CLUB REALTY, INC. | Oct 2026 | $675,000 | $315 | 4/2.5 | 2,142 | 133 | 0.4 |
| 312 Alcazar Street, St. Augustine, FL 32080Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Sep 2026 | $475,000 | $353 | 3/2 | 1,344 | 85 | 0.4 |
| 40 N St Augustine Boulevard, St. Augustine, FL 32080Listed by SAVVY AVENUE, LLC. | Aug 2026 | $830,000 | $427 | 3/2 | 1,946 | 95 | 0.4 |
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: RE/MAX UNLIMITED
Sold by: EXP REALTY LLC (buyer's brokerage)
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 Davis Shores
Davis Shores is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32080.
View all Davis Shores homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 4, 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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