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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie'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·68 days on market·Entrada

97 Zancara Street

St. Augustine, FL 32084

$387,000$215/sqftEst. $2,144/moMLS# 2145842
↓ $13,000 below original list
3
Beds
2
Baths
1,798
Sq Ft
2024
Built
2
Garage
No
Pool

22 more homes for sale in Entrada →Search Entrada on the map

FEMA Zone XHOA $48/mo6,534 sqft lotSingle Family Residence1 story

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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.

Next steps in Entrada

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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.

Principal & interest20% down · 7.4% · 30yr$2,144
Property taxesest. at asking price, St. Johns County$515
HOAbilled quarterly$48
Estimated total, before insurance$2,707/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$387,000
$77,400
Loan Term
Monthly Payment
$2,144
Principal & Interest: $2,144
Property taxes (est.): $515
Insurance (est.): $258
Estimated Total Monthly
$2,917
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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.

Sun & Light

Southwest-facing backyard — long light and winter sunsets

The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:27 AM, sunset 6:55 PM.

  • The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
  • Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.

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

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

YearMarket valueTaxable valueChange
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.

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.

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 $201/sq ft; this home is listed at $215/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
87 Zancara Street, St. Augustine, FL 32084Listed by CENTURY 21 ST AUGUSTINE PROPERTIESAug 2026$481,000$2244/22,144230
91 Alagon Way, St. Augustine, FL 32084Listed by LPT REALTY LLCSep 2026$360,000$2003/21,798190.1
151 Narvarez Avenue, St. Augustine, FL 32084Listed by BARBARA RENEE WHITE, BROKERSep 2026$365,000$2044/21,791490.2
46 Albacete Road, St. Augustine, FL 32084Listed by DJ & LINDSEY REAL ESTATEJul 2026$315,000$2013/21,564920.3
181 Narvarez Avenue, St. Augustine, FL 32084Listed by COLDWELL BANKER PREMIER PROPERTIESJul 2026$410,000$1924/22,132230.3
237 Encanto Way, St. Augustine, FL 32084Listed by WATSON REALTY CORPOct 2026$355,000$1914/21,856230.4

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

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

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

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

Exterior

Exterior FeaturesImpact Windows
Patio / PorchCovered, Patio, Rear Porch
FencingVinyl
RoofShingle
ConstructionFiber Cement, Frame
Road SurfacePaved
Road FrontagePrivate Road

Additional Information

Date ListedAugust 7, 2026
Days on Market182
HOA Fees$145 / Quarterly
HOA FrequencyQuarterly
HOA Fee IncludesMaintenance Grounds
Tax Amount$6,967.81
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WE SELL SUNSHINE

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 Entrada

Entrada is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all Entrada homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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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