This home is in St. Augustine.

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Active

Active·56 days on market

120 Istoria Drive

St. Augustine, FL 32095

$924,900$303/sqftEst. $4,923/moMLS# 2146356

Beds

Baths

3,048

Sq Ft

2006

Built

Garage

Yes

Pool

About this home

St. Augustine

NEW ROOF installed in 2023! Tucked inside the highly sought-after Key West-style community of Istoria, this Charming pristine 5-bedroom, 3.5-bath coastal retreat delivers the kind of backyard buyers stop scrolling for. From the moment you step outside, it feels like a private resort -- featuring a spool, fully equipped outdoor kitchen, firepit, illuminated pergola, and multiple entertaining spaces designed for unforgettable evenings with family and friends. Inside, the home blends elevated design with everyday functionality across 3,048 square feet. Thoughtfully selected designer light fixtures, spacious living areas, and a flexible floor plan create the perfect setup for entertaining, working from home, or accommodating guests with ease. Every inch of the home has been meticulously maintained, offering true move-in-ready condition.

Cost to own

Mortgage calculator

Home Price

$924,900

Down Payment: 20%

$184,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,701

Principal & Interest: $4,701

Est. Taxes & Insurance: $1,175

Estimated Total Monthly

$5,876

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$4,923

Property taxesest. at asking price, St. Johns County$1,231

HOAbilled monthly$125

Estimated total, before insurance$6,278/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

Last sold: $799,000 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$731,126	$0	—
2024	$657,353	$0	—
2023	$677,528	$622,528	—
2022	$594,154	$365,408	—
2021	$409,535	$353,309	—
2020	$414,065	$347,741	—

Estimated taxes if purchased at asking price: ~$14,800/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2023 per the listing

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

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,798 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 21, 2026Listed$924,900

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

Features

Price$924,900

Price / Sq Ft$303

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,048

Acres0.24 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated, Salt Water

Is WaterfrontNo

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address120 Istoria Drive, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionIstoria

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size10,454.4 sq ft

Parcel Number0746610370

Amenities

AmenitiesBoat Dock, Jogging Path

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingDetached Carport, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2