This home is in St. Augustine.

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Active

Active·45 days on market

644 Nautical Way

St. Augustine, FL 32080

$529,000$290/sqftEst. $2,816/moMLS# 2148437

Beds

Baths

1,824

Sq Ft

1992

Built

Garage

Pool

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!

Cost to own

Mortgage calculator

Home Price

$529,000

Down Payment: 20%

$105,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,689

Principal & Interest: $2,689

Est. Taxes & Insurance: $672

Estimated Total Monthly

$3,361

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.0% · 30yr$2,816

Property taxesest. at asking price, St. Johns County$704

HOAbilled quarterly$107

Estimated total, before insurance$3,626/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, 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	$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: ~$8,400/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 — 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 home

Informational 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

Jun 3, 2026Listed$529,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$529,000

Price / Sq Ft$290

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,824

Total Structure Area2,571 sq ft

Acres0.13 acres

Year Built1992

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryR. B. Hunt

MiddleSebastian

HighSt. Augustine

Community Information

Address644 Nautical Way, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionCommodores Club

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Lot Size5,662.8 sq ft

Parcel Number1629311120

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Park, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingElectric Vehicle Charging Station(s), Garage, Garage Door Opener, Off Street

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

LaundryIn Unit

Window FeaturesSkylight(s)