This home is in St. Augustine.
Active·13 days on market
2891 N 8th Street
St. Augustine, FL 32084
About this home
St. Augustine
NEW COTTAGE STYLE 3BR/2BA WITH 1542 SQ.FT. & NO HOA Spacious open floor plan with cathedral ceilings making it light & bright. Big eat in kitchen with granite counters, white wood cabinets, walk in pantry, stainless steel appliances & window over the kitchen sink. LVP flooring throughout! 6x7 utility room. Owner suite has door for easy access to the backyard, plus a 6x7 walk in closet! Owner bath has double vanity with granite counters & wood cabinets, walk in tiled shower & linen closet. Oversized 2nd & 3rd bedrooms offer natural light & convenient lighted closets. 2nd bathroom features a wood vanity with granite counters & designer lighting. Pull down attic stairs lead to a huge, fully floored attic with spray foam insulation, providing exceptional storage across the entire home! Relax on the expansive 30 foot covered front porch - perfect for a row of Adirondack chairs to enjoy the peaceful surroundings. 8/10 mi to shopping, 6 miles to Vilano Beach & 4 miles to historic downtown
Cost to own
Mortgage calculator
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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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.
Cost to own
Taxes & assessment
Last sold: $105,000 in April 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $37,500 | $37,500 | — |
| 2025 | $102,835 | $102,835 | — |
| 2024 | $36,250 | $36,250 | — |
| 2024 | $94,738 | $94,738 | — |
| 2023 | $33,750 | $33,750 | — |
| 2023 | $98,965 | $86,748 | — |
| 2022 | $73,895 | $58,214 | — |
| 2022 | $78,862 | $78,862 | — |
| 2021 | $66,544 | $52,922 | — |
| 2021 | $36,425 | $35,580 | — |
| 2020 | $62,856 | $48,111 | — |
| 2020 | $32,346 | $32,346 | — |
2025 property taxes (current owner): $841/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.
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 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · 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: ~1,323 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- Jul 3, 2026Listed$343,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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