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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 Williams Addition, St. Augustine.

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Sold

Sold·Closed Jul 2, 2026·1 day on market·Recent sales in Williams Addition·Williams Addition

17 Ballard Avenue

St. Augustine, FL 32084

$390,000sold priceListed at $399,900 · 97.5% of asking$360/sqftMLS# 2148014
3
Beds
1
Baths
1,082
Sq Ft
1927
Built
1
Garage
No
Pool

2 more homes for sale in Williams Addition →Search Williams Addition on the map

No HOA6,098 sqft lotSingle Family Residence1 story

About this home

Williams Addition

Located in desirable St. Augustine, 17 Ballard Avenue offers convenient access to historic downtown, area beaches, shopping, dining, and major roadways. This property features a functional floor plan with comfortable living spaces, abundant natural light, and versatile indoor and outdoor areas suited for everyday living and entertaining. The home offers 3 well-sized bedrooms, and an inviting living area that flows into the kitchen. Outdoor space provides opportunities for relaxing, gardening, or hosting guests. Whether used as a primary residence, second home, or investment property, this location offers easy access to local attractions, schools, parks, and recreational activities. Conveniently located near historic sites, waterfront activities, and local amenities while maintaining a residential neighborhood setting. Buyer to verify all measurements, dimensions, zoning, and intended use.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,160
Property taxesest. at asking price, St. Johns County$519
Estimated total, before insurance$2,679/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$665/yr · $55/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

$390,000
$78,000
Loan Term
Monthly Payment
$2,160
Principal & Interest: $2,160
Property taxes (est.): $519
Insurance (est.): $260
Estimated Total Monthly
$2,939
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1927)

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

Solar potential: ~1,741 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

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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:24 AM, sunset 6:59 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

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

YearMarket valueTaxable valueChange
2025$414,726$4,036—
2024$404,859$1,806—
2023$352,760$48,841—
2022$325,643$45,962—
2021$213,254$43,167—
2020$196,718$41,881▲ $11,877

2025 property taxes (current owner): $665/yr

Estimated taxes if purchased at asking price: ~$6,200/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

  • Jul 7, 2026Closed$399,900

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 $475/sq ft; this home is listed at $370/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6 Douglas Avenue, St. Augustine, FL 32084Listed by WATSON REALTY CORPJun 2026$425,000$3603/21,18140.3
54 Grove Avenue, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2026$479,000$5552/1.58631720.5
28 Joiner Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$655,000$4753/21,37830.5
5 Beacon Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2026$300,000$2443/11,2281050.8
36 Park Avenue, St. Augustine, FL 32084Listed by COLDWELL BANKER PREMIER PROPERTIESJul 2026$375,000$4782/1784630.8
31 Oak Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2026$457,200$4632/29882221

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$399,900
Price / Sq Ft$370
Bedrooms3
Bathrooms1.00
Full Baths1
Square Footage1,082
Total Structure Area1,508 sq ft
Acres0.14 acres
Year Built1927
TypeResidential
Sub-TypeSingle Family Residence
StyleCottage, Traditional
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo
Direction FacesNorth

Community Information

Address17 Ballard Avenue, St. Augustine, FL 32084
Area322-Downtown St Augustine
SubdivisionWilliams Addition
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size6,098.4 sq ft
Lot Dimensions.14 acre
Parcel Number1909800000
ZoningResidential

Amenities

Community FeaturesSidewalks
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOther, Detached, Garage, On Street

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Tub with Shower
AppliancesDryer, Electric Oven, Electric Range, Electric Water Heater, Freezer, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Wood
# of Stories1
LevelsOne
LaundryIn Garage

Exterior

Lot DescriptionHistoric Area
Patio / PorchDeck, Front Porch, Screened
FencingPrivacy
RoofShingle
ConstructionWood Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 1, 2026
Days on Market1
Tax Amount$665.02
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX BLUE COAST

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 Williams Addition

Williams Addition is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all Williams Addition homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 2, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ 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.

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