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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 Grand Oaks, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·121 days on market·Grand Oaks

188 Red Barn Road

St. Augustine, FL 32092

$415,000$200/sqftEst. $2,281/mo mortgageMLS# 2147416
↓ $28,900 below original list
3
Beds
2
Baths
2,073
Sq Ft
2023
Built
2
Garage
No
Pool

2 more homes for sale in Grand Oaks →Search Grand Oaks on the map

FEMA Zone XHOA $7/mo6,534 sqft lotSingle Family Residence1 story

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About this home

Grand Oaks

This home checks all the boxes...open floor plan, spacious primary suite, two generously sized bedrooms, a full bath, and a versatile den you can use as an office, playroom, or even a 4th bedroom. The backyard is fenced with vinyl privacy fencing for peace of mind while the kids are playing. The covered rear porch has natural gas plumbed in so you can just hook up the barbeque and have a party! All of this and I haven't even gotten to the community amenities yet! Pool, clubhouse, playground, and fitness center all right in the neighborhood! If you've been dreaming of the Florida lifestyle this is it!

Next steps in Grand Oaks

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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 · 7.32% · 30yr$2,281
Property taxesest. at asking price, St. Johns County$552
HOAbilled quarterly$7
Estimated total, before insurance$2,839/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,389/yr · $616/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

$415,000
$83,000
Loan Term
Monthly Payment
$2,281
Principal & Interest: $2,281
Property taxes (est.): $552
Insurance (est.): $277
Estimated Total Monthly
$3,110
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 2023)

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

Solar potential: ~1,763 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

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:32 AM, sunset 6:48 PM.

  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai.

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: $425,300 in March 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$384,556$273,018—
2024$382,646$264,616—
2023$44,800$44,800—
2022$44,800$44,800—

2025 property taxes (current owner): $7,389/yr

Estimated taxes if purchased at asking price: ~$6,600/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

  • Sep 10, 2026Price change$415,000−$20,000
  • Aug 10, 2026Price change$435,000−$5,000
  • Jul 17, 2026Price change$440,000−$3,900
  • Jun 23, 2026Listed$443,900

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 $238/sq ft; this home is listed at $200/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
22 Myrtle Oak Court, St. Augustine, FL 32092Listed by ERA ONETEAM REALTYJul 2026$425,000$2043/22,0823770.2
71 Hickory Pine Drive, St. Augustine, FL 32092Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$490,000$2503/21,962670.4
217 Fairlake Circle, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLCJul 2026$375,000$2383/21,5751280.4
94 Lone Cypress Way, St. Augustine, FL 32092Listed by LPT REALTY LLCOct 2026$475,000$2633/21,807950.5
145 Lone Cypress Way, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLCSep 2026$465,000$2343/2.51,989750.6
35 Montserrat Drive, St. Augustine, FL 32092Listed by SIGNATURE REALTY ASSOCIATESJul 2026$365,000$2363/21,54871.1

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$415,000
Price / Sq Ft$200
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,073
Total Structure Area2,762 sq ft
Acres0.15 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesSouthwest

School Information

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

Community Information

Address188 Red Barn Road, St. Augustine, FL 32092
Area308-World Golf Village Area-SW
SubdivisionGrand Oaks
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size6,534 sq ft
Parcel Number0274500820
ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Playground, Tennis Court(s)
UtilitiesNatural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener, Off Street

Interior

Interior FeaturesKitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Vinyl
# of Stories1
LevelsOne
LaundryGas Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionCorner Lot
Patio / PorchCovered, Porch, Rear Porch
FencingBack Yard, Privacy, Vinyl
RoofShingle
ConstructionConcrete, Fiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedJune 23, 2026
Days on Market106
HOA Fees$19.5 / Quarterly
HOA FrequencyQuarterly
HOA NameGrand Oaks
Tax Amount$7,388.91
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER LLC

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 Grand Oaks

Grand Oaks is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.

View all Grand Oaks 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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