This home is in St. Augustine — a home near St. Augustine High School.
Sold·Closed Sep 11, 2026·36 days on market·Recent sales in St. Augustine
5 Rachel Court
St. Augustine, FL 32080
About this home
St. Augustine
What makes this St. Augustine townhome stand out? Two private-suite bedrooms, a location minutes from downtown and the beach, and resort-style amenities, all with far less upkeep than a single-family home. Tucked into the quiet Hannah's Walk community, this two-story townhome sits 10 minutes from historic downtown St. Augustine and minutes from Anastasia Island beaches, shopping, and dining. The open-concept main floor and attached garage make everyday living simple, while fresh paint, newer stair carpeting, and upstairs vinyl plank flooring give it a move-in-ready feel. A 2025 HVAC replacement means major maintenance is already handled. Upstairs, two full primary-style suites offer true privacy, each with its own bath, ideal for guests, roommates, or a home office. A downstairs half-bath adds convenience for visitors. Residents also enjoy a community pool and cabana, perfect for unwinding after a beach day or hosting weekend gatherings.
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.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 2006)
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: ~1,804 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $5,907/yr
Estimated taxes if purchased at asking price: ~$5,100/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, NEFMLS.
History
Price & status history
- Sep 11, 2026Closed$325,000
- Aug 6, 2026Active Under Contract$325,000
- Jul 22, 2026Listed$325,000
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 $224/sq ft; this home is listed at $223/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 19201 Harbour Vista Circle, St. Augustine, FL 32080Listed by EXP REALTY, LLC | Jul 2026 | $258,000 | $224 | 2/2 | 1,153 | 23 | 0.3 |
| 23213 Harbour Vista Circle, St. Augustine, FL 32080Listed by WATSON REALTY CORP | Jul 2026 | $250,000 | $164 | 2/2 | 1,521 | 0 | 0.3 |
| 35211 Harbour Vista Circle, St. Augustine, FL 32080Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jul 2026 | $252,000 | $174 | 3/2 | 1,451 | 82 | 0.3 |
| 23211 Harbour Vista Circle, St. Augustine, FL 32080Listed by MAXREV, LLC | Jun 2026 | $245,000 | $169 | 3/2 | 1,451 | 139 | 0.3 |
| 37207 Harbour Vista Circle, St. Augustine, FL 32080Listed by NEUMANN REAL ESTATE GROUP | Jun 2026 | $349,900 | $237 | 3/2 | 1,479 | 44 | 0.3 |
| 58 Islander Circle, St. Augustine, FL 32080Listed by WATSON REALTY CORP | Jun 2026 | $342,000 | $264 | 2/2.5 | 1,295 | 6 | 0.3 |
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
Additional Information
Listing Courtesy of: FIV REALTY CO FLORIDA LLC
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 11, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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Northeast Florida living
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