This home is in St. Augustine Beach — a home near St. Augustine High School.
Sold·Closed Jul 24, 2026·16 days on market·Recent sales in St. Augustine
220 Madrid Street
St. Augustine Beach, FL 32080
About this home
St. Augustine Beach
Welcome to Whispering Oaks, Anastasia Island and St. Augustine Beach's best-kept secret. This is a rare opportunity to own a beautifully crafted home just steps from the sugar-white sands of St. Augustine Beach within one of the area's most sought-after gated communities. Situated on a generous 100' x 100' homesite, this custom-designed, solid block construction residence offers three spacious bedrooms, two bathrooms, and a desirable open-concept floor plan designed for effortless coastal living. Filled with natural light, the home's inviting interior creates the perfect setting for gathering with family and friends while embracing the relaxed Florida lifestyle. Outdoor living takes center stage with an impressive 56' x 28' paver patio featuring a built-in fireplace and private outdoor shower--an ideal retreat for entertaining, relaxing after a day at the beach, or enjoying cool coastal evenings under the stars.
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 — 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.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 2004)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,787 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
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $655,658 | $200,090 | — |
| 2024 | $646,736 | $193,743 | — |
| 2023 | $637,491 | $186,644 | — |
| 2022 | $537,097 | $179,751 | — |
| 2021 | $339,570 | $173,059 | — |
| 2020 | $337,660 | $169,979 | — |
2025 property taxes (current owner): $3,870/yr
Estimated taxes if purchased at asking price: ~$13,700/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 27, 2026Closed$875,000
- Jun 3, 2026Listed$875,000
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 $325/sq ft; this home is listed at $457/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 325 Floridian Avenue, St. Augustine, FL 32080Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $555,000 | $308 | 4/2 | 1,800 | 4 | 0.3 |
| 116 Serenity Bay Boulevard, St. Augustine, FL 32080Listed by LOWEST FEE REALTY LLC | Jun 2026 | $425,000 | $265 | 3/2.5 | 1,604 | 91 | 0.5 |
| 229 N Ocean Trace Road, St. Augustine, FL 32080Listed by THE NEWCOMER GROUP | Jul 2026 | $620,000 | $388 | 3/2 | 1,596 | 15 | 0.6 |
| 401 Ocean Breeze Lane, St. Augustine, FL 32080Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jul 2026 | $660,000 | $325 | 3/2 | 2,030 | 59 | 0.6 |
| 900 Mickler Boulevard, St. Augustine, FL 32080Listed by EXP REALTY LLC | Jun 2026 | $580,000 | $393 | 2/2 | 1,476 | 178 | 1 |
| 972 Saltwater Circle, St. Augustine, FL 32080Listed by ENDLESS SUMMER REALTY | Oct 2026 | $599,000 | $260 | 3/2.5 | 2,308 | 81 | 1.2 |
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: BERKSHIRE HATHAWAY HOME SERVICES FLORIDA NETWORK
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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Krista Fracke
Broker Associate
This home sold on Jul 24, 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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