Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Entrada, St. Augustine — a gated community home in St. Johns County.

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Active

Active·22 days on market·Entrada

97 Zancara Street

St. Augustine, FL 32084

$387,000$215/sqftEst. $1,990/moMLS# 2145842

Beds

Baths

1,798

Sq Ft

2024

Built

Garage

Pool

About this home

Entrada

Nestled in the desirable gated section of Dorado at Entrada, this beautifully designed 3-bedroom, 2-bath home offers modern finishes, thoughtful upgrades, and an open-concept layout perfect for everyday living and entertaining. The spacious central kitchen overlooks the family room and features quartz countertops, stainless steel appliances, a gas stove, a walk-in pantry, and an extended counter-height island ideal for gathering. Elegant crown moulding accents the kitchen cabinetry, living area, and primary suite, adding warmth and character throughout the home. The private primary retreat includes a large walk-in closet, an ensuite bath with a walk-in shower, and a separate water closet. On the opposite side of the home, two additional bedrooms and a full bath provide comfort and privacy for family or guests. Sliding glass doors off the dining area open to the backyard, creating seamless indoor-outdoor living.

Cost to own

Mortgage calculator

Home Price

$387,000

Down Payment: 20%

$77,400

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,990

Principal & Interest: $1,990

Property taxes (est.): $515

Insurance (est.): $258

Estimated Total Monthly

$2,763

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$1,990

Property taxesest. at asking price, St. Johns County$515

HOAbilled quarterly$48

Estimated total, before insurance$2,553/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,968/yr · $581/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, 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).

Cost to own

Taxes & assessment

Last sold: $350,000 in March 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$311,905	$261,183	—
2024	$80,000	$80,000	—

2025 property taxes (current owner): $6,968/yr

Estimated taxes if purchased at asking price: ~$6,200/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 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 2024)

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As 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.

History

Price & status history

Jul 29, 2026Price change$387,000−$13,000
May 18, 2026Listed$400,000

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

Features

Price$387,000

Price / Sq Ft$215

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,798

Total Structure Area2,356 sq ft

Acres0.15 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesNortheast

Community Information

Address97 Zancara Street, St. Augustine, FL 32084

Area337-Old Moultrie Rd/Wildwood

SubdivisionEntrada

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size6,534 sq ft

Lot Dimensions53x125

Parcel Number1011832570

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Dog Park, Fitness Center, Gated, Pickleball, Playground, Security

UtilitiesCable Available, Electricity Available, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Gated, Off Street

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Gas Oven, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

SecurityCarbon Monoxide Detector(s), Closed Circuit Camera(s), Entry Phone/Intercom, Key Card Entry, Security Gate, Security Lights, Security System Owned, Smoke Detector(s)

Spa FeaturesCommunity