This home is in Atlantic Oaks, St. Augustine — a new construction home in St. Johns County.
Active·98 days on market·Atlantic Oaks
51 Atlantic Oaks Circle
St. Augustine, FL 32080
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About this home
Atlantic Oaks
Your chance to build the ONLY new construction home on the ocean side of A1A in St. Augustine Beach - in a non-HOA area, minimal flood hazard ''X'' zone, less than a mile walk or bike ride to the waves. This 3 bed/2 bath plan by Inkline Homes has premium upgrades included as standard - paver driveway, patio with pergola, metal roof, Hardie siding, wood-look tile flooring, Quartz countertops, 9' ceilings + more. Inside, the open and inviting floor plan has plenty of space for living + dining, and a large kitchen with custom tile work and soft-close cabinetry. The primary bedroom ensuite has a double sink vanity, zero-entry shower and oversized walk-in closet. The second and third bedrooms share a hall bath with shower/tub combo. Dedicated laundry room. Enjoy your patio area with access through a glass door in the living area, letting in even more natural light. Custom options with construction loan (all tile, cabinets, hardware, trim + more) Photos are of similar built property.
Next steps in Atlantic Oaks
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.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Metal — year not disclosed (home built 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,682 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach access
F Stabout 0.5 mi
Closest park or preserve
Anastasia State Park8 min drive · 0.7 mi of trails
Closest public boat ramp
Moultrie Creek Boat Rampabout 2 mi · Moutrie Creek
Closest kayak & paddleboard launch
Moultrie Bluffs – Lewis Point Park – Paddlecraft Accessabout 2 mi · Moultrie Creek
Closest youth league fields
Eddie Vickers Park20 min drive · Basketball, Football, Lacrosse
Closest grocery store
Publix4 min drive · 1033 A1A Beach Blvd, Saint Augustine Beach
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $205,000 | $205,000 | — |
| 2024 | $185,000 | $115,555 | — |
| 2023 | $185,000 | $105,050 | — |
| 2022 | $145,600 | $95,500 | — |
| 2021 | $130,000 | $86,818 | — |
| 2020 | $130,000 | $78,925 | — |
2025 property taxes (current owner): $3,302/yr
Estimated taxes if purchased at asking price: ~$9,200/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 15, 2026Listed$575,000
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 $397/sq ft; this home is listed at $402/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 116 Serenity Bay Boulevard, St. Augustine, FL 32080Listed by LOWEST FEE REALTY LLC | Jun 2026 | $425,000 | $265 | 3/2.5 | 1,604 | 91 | 0 |
| 207 B Street, St. Augustine Beach, FL 32080Listed by ENDLESS SUMMER REALTY | Oct 2026 | $540,000 | $514 | 3/2 | 1,050 | 30 | 0.4 |
| 11 Lisbon Street, St. Augustine Beach, FL 32080Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jul 2026 | $465,000 | $397 | 3/2 | 1,170 | 49 | 0.4 |
| 900 Mickler Boulevard, St. Augustine, FL 32080Listed by EXP REALTY LLC | Jun 2026 | $580,000 | $393 | 2/2 | 1,476 | 178 | 0.4 |
| 2576 S A1A, St. Augustine Beach, FL 32080Listed by NON MLS (realMLS) | Sep 2026 | $575,000 | $397 | 3/2 | 1,450 | 64 | 0.7 |
| 35 Ocean Court, St. Augustine, FL 32080Listed by DJ & LINDSEY REAL ESTATE | Jun 2026 | $634,500 | $354 | 3/2.5 | 1,792 | 97 | 0.7 |
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: MOMENTUM 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.
The neighborhood
About Atlantic Oaks
Atlantic Oaks is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32080.
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines