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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 Beach.

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Active Under Contract

Active Under Contract·116 days on market

4 Ocean Trace Road 319

St. Augustine Beach, FL 32080

$569,000$504/sqftEst. $3,152/mo mortgageMLS# 2152744
↓ $30,000 below original list
2
Beds
2
Baths
1,129
Sq Ft
1975
Built
—
Garage
No
Pool
FEMA Zone XHOA $676/moCondominium1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

St. Augustine Beach

It's hard to decide what you'll love most...watching the sunrise over the Atlantic from your private balcony, falling asleep to the sound of the waves, or realizing that every day feels like you're on vacation. Whether you're searching for a full-time home, the perfect beach getaway, or an income-producing vacation rental, this beautifully furnished 2BR/2BA condo offers the flexibility to fit your lifestyle. Ocean Trace allows 5-night minimum rentals, making it an excellent Airbnb opportunity while also being home to a vibrant community of full-time residents. Inside, you'll find an open floor plan, tasteful designer furnishings, an island kitchen w/ stone countertops & stainless appliances, plus a newer 2023 HVAC. Enjoy resort-style amenities, direct beach access, and an unbeatable location just minutes from dining, shopping & historic downtown St. Augustine. Move right in, start renting immediately, or simply start living the beach life you've been dreaming about.

Next steps in St. Augustine

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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$3,152
Property taxesest. at asking price, St. Johns County$757
HOAbilled monthly$676
Estimated total, before insurance$4,585/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,619/yr · $552/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

$569,000
$113,800
Loan Term
Monthly Payment
$3,152
Principal & Interest: $3,152
Property taxes (est.): $757
Insurance (est.): $379
Estimated Total Monthly
$4,288
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 — 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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1975)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,706 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$406,296$406,296—
2024$445,500$384,238—
2023$502,702$349,307—
2022$329,076$317,552—
2021$288,684$288,684—
2020$279,180$279,180—

2025 property taxes (current owner): $6,619/yr

Estimated taxes if purchased at asking price: ~$9,100/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

  • Oct 17, 2026Active Under Contract$569,000
  • Sep 18, 2026Price change$569,000−$10,000
  • Jul 24, 2026Price change$579,000−$20,000
  • Jun 27, 2026Listed$599,000

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 $319/sq ft; this home is listed at $504/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3960 A1A S 505, St. Augustine Beach, FL 32080Listed by COLDWELL BANKER VANGUARD REALTYMar 2026$334,900$2582/2.51,2962050.2
3960 A1A 801, St. Augustine, FL 32080Listed by NON MLS (realMLS)Feb 2026$335,000$2952/2.51,13600.3
4250 A1A S I16, St. Augustine, FL 32080Listed by MARK SPAIN REAL ESTATESep 2026$315,000$2812/21,120530.4
1 Dondanville Road 116C, St. Augustine, FL 32080Listed by WATSON REALTY CORPAug 2026$490,000$4082/21,200850.5
2 Dondanville Road 207, St. Augustine, FL 32080Listed by FLORIDA HOMES REALTY & MTG LLCApr 2026$720,000$5543/21,3001190.5
11 Dondanville Road 5, St. Augustine, FL 32080Listed by RE/MAX UNLIMITEDAug 2026$383,000$3192/21,20070.6

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$569,000
Price / Sq Ft$504
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,129
Year Built1975
TypeResidential
Sub-TypeCondominium
StyleTraditional
StatusActive Under Contract
Has PoolNo
Is WaterfrontNo

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address4 Ocean Trace Road 319, St. Augustine Beach, FL 32080
Area331-St Augustine Beach
SubdivisionSt Augustine Beach & Tenn
CitySt. Augustine Beach
CountySt. Johns
StateFL
Zip Code32080
Parcel Number1744603190

Amenities

AmenitiesPool, Elevator(s), Maintenance Grounds, Management- On Site, Trash
UtilitiesCable Available, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Connected
Water SourcePublic
ParkingParking Lot, Unassigned
ViewBeach, Ocean, Pool

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub
AppliancesDisposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringLaminate
# of Stories1
LaundryIn Unit

Exterior

Exterior FeaturesBalcony

Additional Information

Date ListedJune 27, 2026
Days on Market112
HOA Fees$676 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesCable TV, Internet, Maintenance Grounds, Maintenance Structure, Pest Control, Sewer, Trash, Water
Tax Amount$6,619.16
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ROUND TABLE 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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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