This home is in St. Augustine.

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Active

Active·62 days on market

111 Swallow Road

St. Augustine, FL 32086

$425,000$205/sqftEst. $2,262/moMLS# 2145366

Beds

Baths

2,073

Sq Ft

1984

Built

—

Garage

Pool

About this home

St. Augustine

Ready to escape the HOA? Welcome to St. Augustine South, one of St. Augustine's most convenient and sought-after neighborhoods where no HOA restrictions mean the freedom to truly live your way. Park your boat right in the driveway, then head to one of two nearby community boat ramps with direct access to Matanzas River and Moultrie Creek. This move-in ready home blends comfort, flexibility, and functionality with a new metal roof (2025), updated LVP flooring throughout (no carpet here), plumbing re-pipe (2023), newer HVAC (2021), new hot water heater (2025), and fresh neutral paint throughout. Flexible living spaces offer endless potential inside, while outside, the fully fenced backyard creates a private retreat complete with a large gazebo, covered carport area, and a storage shed. With beaches, shopping, dining, and historic downtown all nearby, this home delivers the comfortable and laid-back coastal lifestyle so many buyers are searching for.

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,147

Principal & Interest: $2,147

Est. Taxes & Insurance: $537

Estimated Total Monthly

$2,683

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$2,262

Property taxesest. at asking price, St. Johns County$566

Estimated total, before insurance$2,828/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	$290,001	$239,279	▲ $1,987
2024	$282,000	$231,936	—
2023	$271,647	$209,565	—
2022	$252,005	$202,005	—
2021	$178,442	$178,442	—
2020	$174,004	$168,506	—

2025 property taxes (current owner): $3,762/yr

Estimated taxes if purchased at asking price: ~$6,800/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Metal — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Septic system (public record) · Public water · St Johns County Utilities - water accounts

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,620 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

Price & status history

May 15, 2026Listed$425,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$425,000

Price / Sq Ft$205

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,073

Total Structure Area2,677 sq ft

Acres0.18 acres

Year Built1984

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Carport Spaces1

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryOsceola

MiddleMurray

HighPedro Menendez

Community Information

Address111 Swallow Road, St. Augustine, FL 32086

Area335-St Augustine South

SubdivisionSt Augustine South

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Lot Size7,840.8 sq ft

Parcel Number2331202667

Amenities

UtilitiesElectricity Connected, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingAttached Carport

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Open Floorplan, Primary Bathroom - Shower No Tub

AppliancesDishwasher, Electric Range, Refrigerator

HeatingCentral

CoolingCentral Air, Wall/Window Unit(s)

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup

Window FeaturesSkylight(s)

SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Front Porch

FencingBack Yard, Wood

RoofMetal

ConstructionFrame

Other StructuresGazebo, Shed(s)

Road SurfaceAsphalt

Road FrontageCounty Road

Additional Information

Date ListedMay 15, 2026

Days on Market61

Tax Amount$3,761.95

Tax Year2025

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Your Local Expert

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.

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20+ years · 500+ closings · NE Florida

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