This home is in St. Augustine — a home near St. Augustine High School.
Sold·Closed Aug 28, 2026·58 days on market·Recent sales in St. Augustine
644 Nautical Way
St. Augustine, FL 32080
About this home
St. Augustine
Island home in the highly desirable Commodores Club Community. This 3bed/2bath home has THE BEST floorpan according to community reviews! It is a spacious, open, split layout with lots of spaces to be creative with including bar seating, breakfast nook, formal dining area and the cutest secluded sunroom. This home is also equipped with tons of storage. Updates include: Stylish fixtures and finishes, light oak solid wood flooring, plantation shutters, solid wood cupboards with soft close drawers, renovated primary bath, new door handles throughout, new front gutters, freshly painted exterior, PVC plumbing, blown in insulation, Rain Soft water softener system, Stainless steel appliances (5 years old), outside AC replaced 4 yrs ago, roof replaced 2014 and Tesla level 2 charger. Private well and irrigation. Backyard is fully fenced with privacy fencing, access gates on both sides and a huge covered lanai. Two-car garage with extra storage nook & spacious driveway. Furnishings negotiable!
Next steps in St. Augustine
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 — 2014 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: ~1,799 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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:24 AM, sunset 6:59 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $462,587 | $167,625 | — |
| 2024 | $469,697 | $162,193 | — |
| 2023 | $464,867 | $156,013 | — |
| 2022 | $453,551 | $150,013 | — |
| 2021 | $311,549 | $144,187 | — |
| 2020 | $276,961 | $141,506 | — |
2025 property taxes (current owner): $2,763/yr
Estimated taxes if purchased at asking price: ~$8,100/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
- Aug 28, 2026Closed$529,000
- Aug 12, 2026Pending$529,000
- Aug 2, 2026Active Under Contract$529,000
- Jun 3, 2026Listed$529,000
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 $304/sq ft; this home is listed at $290/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2361 Commodores Club Boulevard, St. Augustine, FL 32080Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jun 2026 | $457,500 | $290 | 3/2 | 1,580 | 10 | 0.1 |
| 1301 Flagship Court, St. Augustine, FL 32080Listed by HERRON REAL ESTATE LLC | Aug 2026 | $480,000 | $267 | 3/2 | 1,796 | 56 | 0.2 |
| 606 Teeside Court, St. Augustine Beach, FL 32080Listed by BERKSHIRE HATHAWAY HOME SERVICES FLORIDA NETWORK | Jun 2026 | $646,000 | $304 | 3/2 | 2,126 | 177 | 0.3 |
| 2448 Oleander Street, St. Augustine, FL 32080Listed by REALTY ONE GROUP ELEVATE | Aug 2026 | $438,000 | $306 | 3/2 | 1,430 | 3 | 0.4 |
| 972 Saltwater Circle, St. Augustine, FL 32080Listed by ENDLESS SUMMER REALTY | Oct 2026 | $599,000 | $260 | 3/2.5 | 2,308 | 81 | 0.6 |
| 2576 S A1A, St. Augustine Beach, FL 32080Listed by NON MLS (realMLS) | Sep 2026 | $575,000 | $397 | 3/2 | 1,450 | 64 | 0.6 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: STA REALTY
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 28, 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
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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