This home is in St. Augustine.
Active·81 days on market
3324 Harbor Drive
St. Augustine, FL 32084
About this home
St. Augustine
$10,000 is closing cost concessions or 6 months HOA paid by seller. Views for Miles, one of the Largest End Unit Condos in Camachee Cove! Waterfront living at its finest. Step into your next home featuring 3 bedrooms, 4 bathrooms. The downstairs provides two large guest bedrooms with remodeled ensuite bathrooms. Access to a back lanai is only steps from the community pool. On the 2nd floor is the main living areas with a large stunning kitchen with a plentiful amount of prep space plus double oven and upscale appliances. The dining room and living room with vaulted ceilings are steps away and living room offers wonderful views of the water, boats and marina. Gorgeous hardwood floors on main level, carpet on steps and on third floor. Primary bedroom is loft style with great walk-in closet and very nicely appointed bathroom with tub and a shower. All appliances convey. Lots of opportunity to make this your own paradise. Open House May 30th, 10-2pm
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
Last sold: $705,000 in March 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $589,400 | $538,678 | — |
| 2024 | $589,400 | $539,400 | — |
| 2023 | $539,400 | $271,690 | — |
| 2022 | $386,000 | $262,320 | — |
| 2021 | $375,000 | $253,223 | — |
| 2020 | $375,000 | $375,000 | — |
2025 property taxes (current owner): $7,447/yr
Estimated taxes if purchased at asking price: ~$11,900/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.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
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: material not specified — year not disclosed (home built 1983)
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: ~1,795 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.
History
Price & status history
- May 3, 2026Listed$748,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: CRYSTAL CLEAR REALTY, LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Camachee Island
Active Under Contract$668,000MLS# 2130170Est. $3,555/mo3115 Harbor Drive 115, St. Augustine, FL 320842 Beds2 Baths1,737 sqftExperience it to truly appreciate it! This penthouse residence showcases sweeping, panoramic views of Camachee Marina,…
ResidentialRE/MAX UNLIMITED
Active$635,000MLS# 2142509Est. $3,380/mo3101 Harbor Drive, St. Augustine, FL 320842 Beds2 Baths1,566 sqftEastern exposure on the waterfront in this charming 2 BR, 2 bath condo with over 1500 square feet on the intracoastal…
ResidentialPONTE VEDRA CLUB REALTY, INC.
Keep looking
Similar homes in St. Augustine
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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