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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 Vista Cove, St. Augustine — a home near St. Augustine High School.

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Sold

Sold·Closed Aug 5, 2026·28 days on market·Recent sales in Vista Cove·Vista Cove

2100 Vista Cove Road Road

St. Augustine, FL 32084

$287,000sold priceListed at $299,900 · 95.7% of asking$169/sqftMLS# 2151106
3
Beds
2
Baths
1,702
Sq Ft
1998
Built
—
Garage
No
Pool

11 more homes for sale in Vista Cove →Search Vista Cove on the map

FEMA Zone XHOA $578/moWaterfrontCondominium1 story

About this home

Vista Cove

Welcome to one of Vista Cove's most captivating waterfront settings. Perfectly positioned along the eastern edge of the community, this light-filled residence enjoys sweeping views across the San Sebastian River toward the historic skyline of St. Augustine. From sunrise reflections on the water to the privacy afforded by its unique location, every window frames a scene that celebrates the beauty of coastal Florida living.

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$1,590
Property taxesest. at asking price, St. Johns County$382
HOAbilled monthly$578
Estimated total, before insurance$2,550/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,269/yr · $272/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

$287,000
$57,400
Loan Term
Monthly Payment
$1,590
Principal & Interest: $1,590
Property taxes (est.): $382
Insurance (est.): $191
Estimated Total Monthly
$2,163
*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.

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: Shingle — year not disclosed (home built 1998)

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

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,789 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

As 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

Southwest-facing backyard — long light and winter sunsets

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

  • The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
  • Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.

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$280,800$139,509—
2024$286,254$133,320—
2023$286,254$126,379—
2022$224,640$124,140—
2021$180,360$180,360—
2020$169,560$0—

2025 property taxes (current owner): $3,269/yr

Estimated taxes if purchased at asking price: ~$4,600/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 7, 2026Closed$299,900
  • Jun 17, 2026Listed$299,900

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 $194/sq ft; this home is listed at $176/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1806 Vista Cove Road, St. Augustine, FL 32084Listed by SMILEEHOUSE AUCTION CO LLCMay 2025$205,000$1473/21,393240
1125 Vista Cove Road, St. Augustine, FL 32084Listed by ONE SOTHEBY'S INTERNATIONAL REALTYJun 2026$273,000$1963/21,3931900.1
2529 Vista Cove Road, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTYMay 2026$300,000$2073/21,448340.1
2806 Vista Cove Road, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$270,000$1942/21,393310.2
3208 Haley Point Road, St. Augustine, FL 32084Listed by WATSON REALTY CORPAug 2026$240,000$1663/21,44830.2
3117 Haley Pointe Road, St. Augustine, FL 32084Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$247,000$1753/2.51,412340.2

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

Price$299,900
Price / Sq Ft$176
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,702
Total Structure Area1,702 sq ft
Year Built1998
TypeResidential
Sub-TypeCondominium
StyleContemporary
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontYes
Gated CommunityYes
Direction FacesNortheast

School Information

ElementaryCrookshank
MiddleMurray

Community Information

Address2100 Vista Cove Road Road, St. Augustine, FL 32084
Area336-Ravenswood/West Augustine
SubdivisionVista Cove
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Dimensions0
Parcel Number0941512100
ZoningCondominium

Amenities

AmenitiesPool, Car Wash Area, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Maintenance Structure, Management - Full Time, Management- On Site, RV/Boat Storage
Community FeaturesFishing, Gated, Curbs
UtilitiesCable Available, Electricity Available, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Connected, Other
SewerPublic Sewer
Water SourcePublic
ParkingOff Street, Parking Lot, RV Access/Parking, Unassigned
ViewBridge(s), City, River
Waterfront TypeRiver Front

Interior

Interior FeaturesBreakfast Bar, His and Hers Closets, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringLaminate, Tile
# of Stories1
LevelsOne
LaundryIn Unit
SecurityClosed Circuit Camera(s), Fire Alarm, Firewall(s), Key Card Entry, Security Gate, Smoke Detector(s)

Exterior

Lot DescriptionCul-De-Sac, Many Trees, Wetlands
Patio / PorchCovered, Front Porch, Glass Enclosed, Screened, Side Porch
RoofShingle
ConstructionBlock, Concrete, Frame, Stucco
Road FrontageCity Street

Additional Information

Date ListedJune 17, 2026
Days on Market28
HOA Fees$578 / Monthly
HOA FrequencyMonthly
HOA NameVista Cove Condominium Owners Association
HOA Fee IncludesInsurance, Internet, Maintenance Grounds, Maintenance Structure, Pest Control
Tax Amount$3,269
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK 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.

The neighborhood

About Vista Cove

Vista Cove is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all Vista Cove homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 5, 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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