This home is in St. Augustine.

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Active

Active·65 days on market

27 Oak Street

St. Augustine, FL 32084

$575,000$322/sqftEst. $3,060/moMLS# 2144880

Beds

Baths

1,784

Sq Ft

2015

Built

Garage

Pool

About this home

St. Augustine

Tucked away on a quiet dead end street in the heart of Uptown St. Augustine, 27 Oak Street offers an incredible opportunity to enjoy marshfront living just minutes from the historic district and the beaches of Vilano. Located in the desirable Hildreth Back Bay section of Fullerwood Park and set at a high elevation, this 3 bedroom, 2.5 bath home captures the essence of peaceful coastal living while remaining close to everything that makes St. Augustine special. Inside, the home welcomes you with fresh new interior paint, warm travertine tile floors, and a bright open layout designed for both everyday comfort and entertaining. The kitchen has been beautifully refreshed with refinished cabinetry, granite countertops, and brand new appliances, creating a clean and functional space that flows seamlessly into the main living areas. Upstairs, the primary suite is perfectly positioned to take in the tranquil marsh backdrop and features its own private balcony, an ideal place to enjoy your

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,923

Principal & Interest: $2,923

Est. Taxes & Insurance: $731

Estimated Total Monthly

$3,653

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.0% · 30yr$3,060

Property taxesest. at asking price, St. Johns County$765

Estimated total, before insurance$3,826/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$460,025	$460,025	—
2025	$323,392	$90,634	▲ $17,444
2024	$459,438	$235,251	—
2024	$306,414	$87,373	—
2023	$436,837	$226,943	—
2023	$315,472	$83,372	▲ $30,979
2022	$458,171	$218,877	—
2022	$276,669	$79,488	▲ $13,147
2021	$337,051	$211,046	—
2021	$229,318	$75,717	—
2020	$351,035	$207,442	—
2020	$207,427	$73,982	▲ $5,727

2025 property taxes (current owner): $9,155/yr

Estimated taxes if purchased at asking price: ~$9,200/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.

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: material not specified — year not disclosed (home built 2015)

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

Likely sewer · Public water (record)

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,820 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History