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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 St. Augustine.

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Sold

Sold·Closed Jul 31, 2026·31 days on market·Recent sales in St. Augustine

128 Gargonza Court

St. Augustine, FL 32084

$200,000sold priceListed at $224,000 · 89.3% of asking$148/sqftMLS# 2148606
2
Beds
2.5
Baths
1,348
Sq Ft
2007
Built
1
Garage
No
Pool
HOA $233/moTownhouse2 stories

About this home

St. Augustine

0.5 miles to St. Augustine Outlets • Community pool • Attached 1-car garage • 2017 water heater. This 2-bedroom, 2.5-bath townhome in Tuscany Village offers 1,348 square feet of low-maintenance living with convenient access to I-95, US-1, shopping, dining, and Historic Downtown St. Augustine. The open floor plan connects the living, dining, and kitchen areas for comfortable everyday living. The kitchen features a center island, pantry, and ample cabinet space. Both upstairs bedrooms include private full bathrooms, while a half bath is located on the main level for guests. The attached one-car garage provides additional storage and parking, and the washer and dryer are included. Residents enjoy access to the community pool and neighborhood amenities. Convenient to Publix, St. Augustine Outlets, area beaches, parks, and restaurants. Approximately 15 minutes to Historic Downtown St. Augustine.

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$1,108
Property taxesest. at asking price, St. Johns County$266
HOAbilled monthly$233
Estimated total, before insurance$1,607/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,183/yr · $265/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

$200,000
$40,000
Loan Term
Monthly Payment
$1,108
Principal & Interest: $1,108
Property taxes (est.): $266
Insurance (est.): $133
Estimated Total Monthly
$1,507
*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 2007)

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

Solar potential: ~1,760 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$210,677$210,677—
2024$215,368$199,404—
2023$219,280$181,276—
2022$179,229$164,796—
2021$149,815$149,815—
2020$142,894$142,894—

2025 property taxes (current owner): $3,183/yr

Estimated taxes if purchased at asking price: ~$3,200/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 31, 2026Closed$224,000

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 $150/sq ft; this home is listed at $166/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
224 Michelangelo Place, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2026$212,000$1662/1.51,280350.1
327 W Pisa Place, St. Augustine, FL 32084Listed by MAXREV, LLCAug 2026$230,000$1443/2.51,599250.1
109 Merlot Way, St. Augustine, FL 32084Listed by MARK SPAIN REAL ESTATESep 2026$175,000$1452/2.51,2041000.3
237 Syrah Way, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2026$173,000$1502/2.51,155220.3
211 Crete Court, St. Augustine, FL 32084Listed by FLORIDA HOMES REALTY & MTG LLCJun 2026$270,000$1663/2.51,623230.3
652 Drake Bay Terrace, St. Augustine, FL 32084Listed by FLORIDA HOMES REALTY & MTG LLCJun 2026$190,000$1343/2.51,4151200.3

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$224,000
Price / Sq Ft$166
Bedrooms2
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,348
Year Built2007
TypeResidential
Sub-TypeTownhouse
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address128 Gargonza Court, St. Augustine, FL 32084
Area336-Ravenswood/West Augustine
SubdivisionTuscany Village
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Parcel Number0865310530

Amenities

AmenitiesPool
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet
# of Stories2
LevelsTwo
LaundryIn Unit, Upper Level

Exterior

RoofShingle

Additional Information

Date ListedJune 4, 2026
Days on Market31
HOA Fees$233 / Monthly
HOA FrequencyMonthly
Tax Amount$3,183.46
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CROSSVIEW 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 31, 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.

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20+ years · 500+ closings · NE Florida

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