This home is in Grand Oaks, St. Augustine — a home near Tocoi Creek High School.
Active·51 days on market·Grand Oaks
188 Red Barn Road
St. Augustine, FL 32092
About this home
Grand Oaks
AFFORDABLE LIVING AT ITS FINEST! Sellers are offering concessions with an accepted offer by August 31st. Concessions may be applied towards an interest rate buy down, closing costs, or prepaids. Ask your lender how a rate buy down could help make your monthly payment even more affordable! This move-in-ready home features 3 bedrooms plus a versatile den, perfect for a home office, playroom, guest space, or potential 4th bedroom. A full appliance package, including washer and dryer is included-just bring your boxes! Enjoy an open floor plan, fenced backyard, and community amenities including a pool, playground, clubhouse, and fitness center. More buying power, more flexibility, and a home that's ready for you!
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 (that applies to the reference bill above too).
Cost to own
Taxes & assessment
Last sold: $425,300 in March 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 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: ~$6,900/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 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 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
- 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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Grand Oaks
Grand Oaks is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Grand Oaks homes for sale →Listing Courtesy of: REAL BROKER LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines