This home is in St. Augustine — a home near Pedro Menendez High School.
Sold·Closed Jul 7, 2026·23 days on market·Recent sales in St. Augustine
204 Saranac Lane
St. Augustine, FL 32086
About this home
St. Augustine
Welcome to 204 Saranac Ln -- located in a well-established community just minutes from historic downtown St. Augustine, beautiful beaches, shopping, restaurants, and more! This 4-bedroom, 2.5-bath home offers a functional layout with tile flooring throughout the main living areas and laminate flooring in the bedrooms for easy maintenance and everyday comfort. The spacious backyard is mostly fenced, providing plenty of room for outdoor entertaining, pets, gardening, or simply relaxing in your own private space. Whether you're looking for a primary residence, vacation getaway, or investment opportunity, this property offers excellent potential with a low HOA and a highly convenient location close to everything St. Augustine has to offer. Come add your personal touches and make this home your very own!
Next steps in St. Augustine
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: Shingle — year not disclosed (home built 2004)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,774 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 | $287,916 | $287,916 | — |
| 2024 | $289,598 | $268,491 | — |
| 2023 | $277,273 | $244,083 | — |
| 2022 | $254,193 | $221,894 | — |
| 2021 | $201,722 | $201,722 | — |
| 2020 | $192,994 | $183,523 | — |
2025 property taxes (current owner): $4,212/yr
Estimated taxes if purchased at asking price: ~$5,400/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
- Jul 7, 2026Closed$349,900
- May 15, 2026Listed$349,900
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 $244/sq ft; this home is listed at $240/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4028 Red Pine Lane, St. Augustine, FL 32086Listed by REDFIN CORPORATION | May 2025 | $455,000 | $269 | 3/2 | 1,692 | 5 | 0.5 |
| 3345 Kings Road S, St. Augustine, FL 32086Listed by INTEGRITY KEY REALTY LLC | Oct 2026 | $520,000 | $286 | 3/2 | 1,818 | 29 | 1.4 |
| 4632 Peele Street, Elkton, FL 32033Listed by RE/MAX SPECIALISTS | Aug 2026 | $399,900 | $214 | 4/2 | 1,868 | 8 | 1.5 |
| 54 Moultrie Creek Circle, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jul 2026 | $350,000 | $225 | 3/2.5 | 1,553 | 42 | 1.5 |
| 5349 Cypress Links Boulevard, Elkton, FL 32033Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Apr 2026 | $450,000 | $244 | 4/2 | 1,848 | 27 | 1.5 |
| 43 Moultrie Creek Circle, St. Augustine, FL 32086Listed by CENTURY 21 ST AUGUSTINE PROPERTIES | Sep 2025 | $355,000 | $193 | 3/2 | 1,839 | 26 | 1.5 |
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: PONTE VEDRA CLUB REALTY, INC.
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 7, 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
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.
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