This home is in St. Augustine — a pool home in St. Johns County.
Active·13 days on market
120 Istoria Drive
St. Augustine, FL 32095
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
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.
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: ~$14,400/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.
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 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.
History
Price & status history
- Jul 23, 2026Price change$899,000−$25,900
- May 21, 2026Listed$924,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ROUND TABLE REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
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.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines