This home is in St. Augustine.
Active·49 days on market
401 Ocean Breeze Lane
St. Augustine, FL 32080
About this home
St. Augustine
Tucked inside the private gated community of Ocean Trace on beautiful Anastasia Island in St. Augustine, this corner-lot pool home offers the kind of coastal lifestyle buyers search for when looking for homes near the beach in Saint Augustine. Built with quality construction and thoughtfully updated, the home features a new roof installed in 2021 and a fully replumbed interior, with major improvements already completed for true peace of mind. The updated kitchen opens into a functional layout designed for both full-time living and a relaxing second home retreat. Step outside to a private lanai and resurfaced pool, perfectly suited for outdoor living, entertaining, and enjoying the laid-back coastal atmosphere that makes Anastasia Island so desirable. Homes in Ocean Trace rarely come to market because residents love the balance of refinement, privacy, and easy living the neighborhood provides.
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, 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $602,759 | $543,022 | — |
| 2024 | $592,280 | $493,656 | — |
| 2023 | $518,301 | $448,778 | — |
| 2022 | $495,449 | $407,980 | — |
| 2021 | $403,954 | $370,891 | — |
| 2020 | $337,174 | $337,174 | — |
2025 property taxes (current owner): $9,657/yr
Estimated taxes if purchased at asking price: ~$10,800/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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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: material not specified — 2021 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts
County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,713 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 homeInformational 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 28, 2026Listed$679,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Expert
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
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