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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 Ravenswood, St. Augustine — a home near St. Augustine High School.

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Active

Active·91 days on market·Ravenswood

78 Stonegate Avenue

St. Augustine, FL 32084

$374,900$225/sqftEst. $2,060/mo mortgageMLS# 2156667
↓ $3,100 below original list
3
Beds
2
Baths
1,669
Sq Ft
2024
Built
2
Garage
No
Pool

2 more homes for sale in Ravenswood →Search Ravenswood on the map

FEMA Zone XHOA $38/mo6,970 sqft lotSingle Family Residence1 story

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About this home

Ravenswood

Perfectly positioned on one of the neighborhood's most desirable preserve lots, this beautifully maintained 3-bedroom, 2-bath home offers something increasingly hard to find: a private, fully fenced backyard with natural preserve views and room to truly enjoy the outdoors. The peaceful setting provides valuable privacy and breathing room while still offering a convenient St. Augustine location. Inside, the thoughtful open layout centers on a spacious kitchen with quartzite countertops, stainless steel appliances, soft-close cabinetry, and a large island perfect for gathering. The primary suite includes a walk-in closet, dual vanities, and a walk-in shower, while the guest bathroom features a soaking tub. A 2-car garage adds everyday convenience. 10 minutes from historic downtown St. Augustine and I-95, and only 15-20 minutes from the beach, this home offers an exceptional combination of privacy, value, and location for buyers seeking an affordable home near everything in St. Augustine.

Next steps in Ravenswood

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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 · 7.32% · 30yr$2,060
Property taxesest. at asking price, St. Johns County$499
HOAbilled quarterly$38
Estimated total, before insurance$2,597/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,573/yr · $298/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

$374,900
$74,980
Loan Term
Monthly Payment
$2,060
Principal & Interest: $2,060
Property taxes (est.): $499
Insurance (est.): $250
Estimated Total Monthly
$2,809
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 2024)

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

Solar potential: ~1,519 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

2025 property taxes (current owner): $3,573/yr

Estimated taxes if purchased at asking price: ~$6,000/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 17, 2026Price change$374,900−$3,100
  • Jul 23, 2026Listed$378,000

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 $250/sq ft; this home is listed at $225/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
163 Silver Birch Street, St. Augustine, FL 32084Listed by WATSON REALTY CORPOct 2026$331,500$1864/21,7832090.1
407 Pomont Avenue, St. Augustine, FL 32084Listed by LIGHTHOUSE REALTY ASSOCIATESAug 2026$350,000$2063/21,703480.1
99 Evermore Court, St. Augustine, FL 32084Listed by WE SELL SUNSHINEJul 2026$305,000$2503/21,21980.1
917 Oxford Drive, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$560,000$2713/22,070370.6
2848 N Third Street, St. Augustine, FL 32084Listed by REAL BROKER LLCAug 2026$255,000$1993/21,28050.8
2948 Bradford Street, St. Augustine, FL 32084Listed by DJ & LINDSEY REAL ESTATEJul 2026$305,000$2573/21,18810.8

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

Price$374,900
Price / Sq Ft$225
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,669
Acres0.16 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
StatusActive
# of Garages2
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 elementaryCrookshank
Reported middleSebastian
Reported highSt. Augustine
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address78 Stonegate Avenue, St. Augustine, FL 32084
Area336-Ravenswood/West Augustine
SubdivisionRavenswood
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size6,969.6 sq ft
Parcel Number0948521140

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom - Tub with Shower, Primary Downstairs
AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Microwave, Refrigerator, Washer
HeatingElectric
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryIn Unit, Lower Level

Exterior

Patio / PorchCovered, Patio
FencingFenced, Back Yard, Full, Privacy
RoofShingle
ConstructionFrame

Additional Information

Date ListedJuly 23, 2026
Days on Market56
HOA Fees$114.72 / Quarterly
HOA FrequencyQuarterly
Tax Amount$3,572.82
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL 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 Ravenswood

Ravenswood is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all Ravenswood homes for sale →

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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