This home is in Hildreth Back Bay, St. Augustine — a waterfront home in St. Johns County.
Sold·Closed Jul 20, 2026·44 days on market·Recent sales in Hildreth Back Bay·Hildreth Back Bay
27 Oak Street
St. Augustine, FL 32084
3 more homes for sale in Hildreth Back Bay →Search Hildreth Back Bay on the map
About this home
Hildreth Back Bay
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
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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).
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: 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 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.
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: ~$8,900/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
- Jul 21, 2026Closed$575,000
- May 12, 2026Listed$575,000
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 $452/sq ft; this home is listed at $322/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 14 Althea Street, St. Augustine, FL 32084Listed by EXP REALTY LLC | Jul 2026 | $930,000 | $554 | 3/2 | 1,680 | 16 | 0.1 |
| 370 Lamego Lane, St. Augustine, FL 32095Listed by PERRY HOMES | Jun 2026 | $535,000 | $260 | 3/2 | 2,057 | 119 | 1 |
| 123 Frontera Drive, St. Augustine, FL 32084Listed by LIGHTHOUSE REALTY ASSOCIATES | Jul 2026 | $565,000 | $256 | 4/3 | 2,206 | 24 | 1.2 |
| 168 Plaza Del Rio Drive, St. Augustine, FL 32084Listed by MCGUIRE REALTY GROUP | Aug 2026 | $460,000 | $224 | 3/2.5 | 2,058 | 221 | 1.3 |
| 42 Rohde Avenue, St. Augustine, FL 32084Listed by THE NEWCOMER GROUP | Jun 2026 | $675,000 | $452 | 3/2 | 1,494 | 14 | 1.3 |
| 28 Joiner Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Aug 2026 | $655,000 | $475 | 3/2 | 1,378 | 3 | 1.4 |
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: MAXREV, 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 Hildreth Back Bay
Hildreth Back Bay is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 20, 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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