This home is in St. Augustine.
Sold·Closed Jul 15, 2026·1 day on market·Recent sales in St. Augustine
2948 Bradford Street
St. Augustine, FL 32084
About this home
St. Augustine
Welcome to your own private slice of Old Florida. Nestled beneath a canopy of majestic live oak trees on an oversized 0.36-acre lot, this charming 3-bedroom, 2-bath home offers a rare combination of privacy, character, and convenience just minutes from Historic Downtown St. Augustine. From the moment you arrive, you'll be drawn in by the property's inviting setting. Towering oaks create a peaceful backdrop for outdoor living, while the expansive covered deck, fire pit area, and spacious backyard provide the perfect place to relax, entertain, and enjoy Florida evenings year-round. Inside, you'll find 1,188 square feet of comfortable living space featuring an open-concept layout, luxury vinyl plank flooring, a spacious kitchen with ample cabinetry and center island, and a generously sized primary suite with an updated bathroom. Natural light fills the home, creating a warm and welcoming atmosphere throughout. (cont..)
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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Metal — year not disclosed (home built 2001)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water (record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,610 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.
Cost to own
Taxes & assessment
Last sold: $77,600 in August 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $227,333 | $227,333 | — |
| 2025 | $143,903 | $96,951 | ▲ $3,225 |
| 2024 | $260,230 | $260,230 | — |
| 2024 | $142,831 | $96,415 | ▲ $6,452 |
| 2023 | $262,990 | $50,633 | — |
| 2023 | $142,209 | $95,994 | — |
| 2022 | $224,733 | $47,702 | — |
| 2022 | $129,080 | $89,540 | ▼ $3,657 |
| 2021 | $146,098 | $44,856 | — |
| 2021 | $111,107 | $111,107 | — |
| 2020 | $147,525 | $43,546 | — |
| 2020 | $106,674 | $106,674 | — |
2025 property taxes (current owner): $3,409/yr
Estimated taxes if purchased at asking price: ~$4,900/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 16, 2026Closed$299,999
- Jun 18, 2026Listed$299,999
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 $240/sq ft; this home is listed at $253/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2848 N Third Street, St. Augustine, FL 32084Listed by REAL BROKER LLC | Aug 2026 | $255,000 | $199 | 3/2 | 1,280 | 5 | 0.5 |
| 99 Evermore Court, St. Augustine, FL 32084Listed by WE SELL SUNSHINE | Jul 2026 | $305,000 | $250 | 3/2 | 1,219 | 8 | 0.9 |
| 2898 N 10th Street, St. Augustine, FL 32084Listed by MARK SPAIN REAL ESTATE | Jul 2026 | $265,000 | $221 | 3/2 | 1,200 | 143 | 0.9 |
| 144 Silver Birch Street, St. Augustine, FL 32084Listed by EXP REALTY LLC | Jun 2026 | $292,000 | $240 | 3/2 | 1,219 | 12 | 1 |
| 1463 Spring Street, St. Augustine, FL 32084Listed by CENTURY 21 LIGHTHOUSE REALTY | Sep 2026 | $240,000 | $229 | 3/1 | 1,050 | 0 | 1.1 |
| 244 Ravenswood Drive, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jul 2026 | $310,000 | $285 | 2/2 | 1,088 | 58 | 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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: DJ & LINDSEY REAL ESTATE
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 Jul 15, 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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