Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in St. Augustine — a home near St. Augustine High School.

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Active

Active·46 days on market

32 E Park Avenue

St. Augustine, FL 32084

$769,000$378/sqftEst. $3,966/moMLS# 2151642

Beds

Baths

2,034

Sq Ft

1924

Built

—

Garage

Pool

About this home

St. Augustine

Imagine the Guana Tolomato Matanzas National Reserve is your back yard and your neighbors are the osprey, water fowl and barred owls in the surrounding trees. Your historic, one-of-a-kind home is perched above the surrounding homes in the heart of St Augustine's peaceful Fullerwood neighborhood. It's one of very few that enjoy marsh views, abundant natural light, and refreshing sea breezes. The main house and detached guest cottage provide privacy and breathtaking views at the quiet end of East Park Avenue, steps from San Marco Avenue, Uptown and historic downtown St. Augustine. The Main House is modernized with interior renovations completed in 2022, the main house offers nearly 1,500 square feet of living space. With a front room featuring original wood floors, a spacious living room with high ceilings, two bedrooms, a study/dining room, a Florida room overlooking the marsh, and a full bathroom, this distinctive property combines timeless craftsmanship with modern functionality.

Cost to own

Mortgage calculator

Home Price

$769,000

Down Payment: 20%

$153,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,966

Principal & Interest: $3,966

Property taxes (est.): $1,023

Insurance (est.): $513

Estimated Total Monthly

$5,502

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.69% · 30yr$3,966

Property taxesest. at asking price, St. Johns County$1,023

Estimated total, before insurance$4,989/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,228/yr · $1,019/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).

Cost to own

Taxes & assessment

Last sold: $715,000 in March 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$616,962	$616,962	—
2025	$258,745	$72,141	▲ $21,133
2024	$572,453	$572,453	—
2024	$237,956	$69,260	—
2023	$465,220	$252,582	—
2023	$240,164	$65,641	▲ $29,359
2022	$443,727	$244,903	—
2022	$204,317	$66,628	▲ $7,706
2021	$285,213	$235,213	—
2021	$169,321	$63,217	▲ $14,933
2020	$273,638	$108,291	—
2020	$150,474	$61,647	—

2025 property taxes (current owner): $12,228/yr

Estimated taxes if purchased at asking price: ~$12,300/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Metal, Shingle — year not disclosed (home built 1924)

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: ~1,692 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.

History