This home is in St. Augustine — a new construction home in St. Johns County.
Active·99 days on market
2891 N 8th Street
St. Augustine, FL 32084
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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
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
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.
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 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: $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: ~$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
- Sep 29, 2026Price change$305,000−$15,000
- Aug 27, 2026Price change$320,000−$10,000
- Jul 17, 2026Price change$330,000−$13,000
- Jul 3, 2026Listed$343,000
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 $257/sq ft; this home is listed at $198/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2898 N 10th Street, St. Augustine, FL 32084Listed by MARK SPAIN REAL ESTATE | Jul 2026 | $265,000 | $221 | 3/2 | 1,200 | 143 | 0.1 |
| 2848 N Third Street, St. Augustine, FL 32084Listed by REAL BROKER LLC | Aug 2026 | $255,000 | $199 | 3/2 | 1,280 | 5 | 0.3 |
| 757 Blackmoor Gate Lane, St. Augustine, FL 32084Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jun 2026 | $530,000 | $308 | 3/2 | 1,723 | 4 | 0.3 |
| 206 Mission Cove Circle, St. Augustine, FL 32084Listed by WATSON REALTY CORP | Oct 2026 | $379,900 | $205 | 4/2 | 1,857 | 50 | 0.6 |
| 1321 Roosevelt Drive, St. Augustine, FL 32084Listed by REMAX WELCOME HOME | Sep 2026 | $664,900 | $357 | 3/2 | 1,865 | 14 | 0.8 |
| 2948 Bradford Street, St. Augustine, FL 32084Listed by DJ & LINDSEY REAL ESTATE | Jul 2026 | $305,000 | $257 | 3/2 | 1,188 | 1 | 0.8 |
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: WATSON REALTY CORP
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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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.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines