This home is in Holly Forest, St. Augustine — a home near Creekside High School.
Sold·Closed Jul 22, 2026·4 days on market·Recent sales in Holly Forest·Holly Forest
198 Pine Bluff Drive
St. Augustine, FL 32092
4 more homes for sale in Holly Forest →Search Holly Forest on the map
About this home
Holly Forest
**UPGRADED**WATERFRONT**HUGE LOT**ACCESS TO 3 POOLS** This stunning home boasts over $50,000 IN UPGRADES and is situated on the 2ND LARGEST LOT in the subdivision. Inside, you will find premium Pergo floors throughout, and UPGRADED CARPET AND PADDING in two bedrooms. The gourmet kitchen features an apron front large sink, soft close cabinets, an UPGRADED SMART GAS STOVE, a beautiful backsplash, and even a convenient plug in pantry. The attention to detail continues with UPGRADED LIGHTING and canned lighting throughout, UPGRADED LARGE CEILING FANS (two 72'' fans and three 52'' fans), and Moen faucets. The bathrooms are elegantly finished with floor to ceiling tile. Practical features include a WATER SOFTENER and purification system, an on demand TANKLESS WATER HEATER, and a laundry room stubbed for gas. The garage offers EXTRA SHELVING and durable SHARK COATING floors. Outside, enjoy beautiful WATERVIEWS from a backyard stubbed for a gas grill--which stays with the house--and pick fresh
Next steps in Holly Forest
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer
County records indicate this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,749 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
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 7:25 AM, sunset 7:00 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $284,730 | $20,979 | — |
| 2024 | $327,338 | $20,303 | — |
| 2023 | $308,718 | $19,552 | — |
| 2022 | $282,569 | $56,466 | — |
| 2021 | $45,000 | $45,000 | — |
2025 property taxes (current owner): $633/yr
Estimated taxes if purchased at asking price: ~$5,500/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$350,000
- Jun 18, 2026Listed$350,000
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 $199/sq ft; this home is listed at $199/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 530 Pine Bluff Drive, St. Augustine, FL 32092Listed by WATSON REALTY CORP | Sep 2026 | $355,000 | $178 | 3/2.5 | 1,994 | 37 | 0.1 |
| 81 Temple Drive, St. Augustine, FL 32092Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Sep 2026 | $303,000 | $202 | 3/2.5 | 1,502 | 210 | 0.8 |
| 141 Camphor Laurel Road, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $369,990 | $200 | 4/2.5 | 1,853 | 4 | 1.1 |
| 127 Camphor Laurel Road, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Oct 2026 | $367,990 | $199 | 4/2.5 | 1,853 | 31 | 1.2 |
| 95 Camphor Laurel Road, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Aug 2026 | $364,000 | $196 | 4/2.5 | 1,853 | 12 | 1.2 |
| 1262 Brook Forest Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Aug 2026 | $350,000 | $189 | 4/2.5 | 1,853 | 0 | 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: CHAD AND SANDY REAL ESTATE GROUP
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 Holly Forest
Holly Forest is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Holly Forest homes for sale →Keep looking
More homes in Holly Forest
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 22, 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.
Northeast Florida living
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