This home is in St Augustine South, St. Augustine — a home near Pedro Menendez High School.
Active·154 days on market·St Augustine South
111 Swallow Road
St. Augustine, FL 32086
16 more homes for sale in St Augustine South →Search St Augustine South on the map
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About this home
St Augustine South
New price and new opportunities! 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 you've been searching for.
Next steps in St Augustine South
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 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 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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:28 AM, sunset 6:54 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
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: ~$6,400/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
- Sep 30, 2026Price change$400,000−$25,000
- May 15, 2026Listed$425,000
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 $237/sq ft; this home is listed at $193/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 102 Alicante Road, St. Augustine, FL 32086Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Jul 2026 | $335,000 | $195 | 3/2 | 1,722 | 101 | 0.4 |
| 261 Cornell Road, St. Augustine, FL 32086Listed by REAL BROKER LLC | Jul 2026 | $265,000 | $174 | 3/2 | 1,520 | 8 | 0.6 |
| 132 Terrapin Road, St. Augustine, FL 32086Listed by WATSON REALTY CORP | Jul 2026 | $880,000 | $330 | 4/2.5 | 2,670 | 215 | 0.9 |
| 2950 Kings Road, St. Augustine, FL 32086Listed by CHAD AND SANDY REAL ESTATE GROUP | Sep 2026 | $950,000 | $413 | 4/2 | 2,300 | 187 | 1.1 |
| 304 N Hidden Tree Drive, St. Augustine, FL 32086Listed by RE/MAX SPECIALISTS | Aug 2026 | $365,000 | $142 | 4/2.5 | 2,568 | 81 | 1.1 |
| 3508 Kings Road S, St. Augustine, FL 32086Listed by PONTE VEDRA CLUB REALTY, INC. | Jul 2026 | $550,000 | $237 | 3/2 | 2,319 | 202 | 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: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
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 St Augustine South
St Augustine South is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.
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Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines