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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St. Augustine — a gated community home in St. Johns County.

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Sold

Sold·Closed Jun 17, 2026·6 days on market·Recent sales in St. Augustine

58 Islander Circle

St. Augustine, FL 32080

$342,000sold priceListed at $349,900 · 97.7% of asking$264/sqftMLS# 2143172
2
Beds
2.5
Baths
1,295
Sq Ft
2011
Built
1
Garage
No
Pool
HOA $282/moWaterfrontTownhouse2 stories

About this home

St. Augustine

''Location, location, location! This fantastic 2-bedroom, 2.5-bathroom townhome places you in the heart of the St. Augustine Beach experience. A coveted corner unit boasts a private garage, a delightful side yard,, new stainless appliances, fresh interior paint and, best of all, stunning water views from your newly pavered private lanai. Inside, the main living area offers a spacious and inviting flow, perfect for modern living. Upstairs, you'll find a large loft space, two generously sized bedrooms, and two full bathrooms. This property represents an exceptional opportunity to own a piece of paradise. Just minutes to the white sandy beach or take a bike ride! Schedule your viewing today - this gem won't last long!'' Furnishing are available also outside of the realestate transaction.

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$1,894
Property taxesest. at asking price, St. Johns County$455
HOAbilled monthly$282
Estimated total, before insurance$2,631/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,790/yr · $483/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$342,000
$68,400
Loan Term
Monthly Payment
$1,894
Principal & Interest: $1,894
Property taxes (est.): $455
Insurance (est.): $228
Estimated Total Monthly
$2,577
*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 2011)

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

Solar potential: ~1,802 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.

Cost to own

Taxes & assessment

Last sold: $355,000 in September 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$302,465$302,465—
2024$301,242$301,242—
2023$261,528$125,021—
2022$264,399$119,923—
2021$199,527$114,974—
2020$192,456$112,696—

2025 property taxes (current owner): $5,790/yr

Estimated taxes if purchased at asking price: ~$5,500/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.

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 $224/sq ft; this home is listed at $270/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
205 Islander Drive, St. Augustine, FL 32080Listed by RE/MAX UNLIMITEDJun 2026$337,500$2612/2.51,2951410
5 Rachel Court, St. Augustine, FL 32080Listed by FIV REALTY CO FLORIDA LLCSep 2026$321,500$2212/2.51,458360.3
23211 Harbour Vista Circle, St. Augustine, FL 32080Listed by MAXREV, LLCJun 2026$245,000$1693/21,4511390.5
37207 Harbour Vista Circle, St. Augustine, FL 32080Listed by NEUMANN REAL ESTATE GROUPJun 2026$349,900$2373/21,479440.5
19201 Harbour Vista Circle, St. Augustine, FL 32080Listed by EXP REALTY, LLCJul 2026$258,000$2242/21,153230.6
23213 Harbour Vista Circle, St. Augustine, FL 32080Listed by WATSON REALTY CORPJul 2026$250,000$1642/21,52100.6

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$349,900
Price / Sq Ft$270
Bedrooms2
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,295
Year Built2011
TypeResidential
Sub-TypeTownhouse
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontYes
Gated CommunityYes

School Information

Community Information

Address58 Islander Circle, St. Augustine, FL 32080
Area323-Davis Shores
SubdivisionIslander
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32080
Parcel Number1619780380
ZoningResidential

Amenities

AmenitiesPool, Gated
Community FeaturesGated
UtilitiesCable Available, Electricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryUpper Level

Exterior

Exterior FeaturesBalcony
Lot DescriptionDead End Street
Patio / PorchDeck, Front Porch, Side Porch
RoofShingle
ConstructionFiber Cement, Frame

Additional Information

Date ListedMay 2, 2026
Days on Market6
HOA Fees$282 / Monthly
HOA FrequencyMonthly
HOA NameAlliance
Tax Amount$5,790
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 17, 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.

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