This home is in St. Augustine — a home near Allen D. Nease High School.
Active·92 days on market
116 Diego Island Court
St. Augustine, FL 32095
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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
Currently operating as a successful short-term rental, this exceptional St. Johns County property offers a rare blend of privacy, space, energy efficiency, water views, and income-producing potential -- all within the home of Florida's No. 1-ranked school district. Set on a secluded one-acre wooded homesite, the 3,470-square-foot residence is surrounded by mature trees that create a peaceful natural buffer and the feel of a private retreat. Designed for both everyday living and guest flexibility, the home features three bedrooms, four bathrooms, a dedicated office, and two versatile flex rooms that can serve as additional sleeping areas, a media room, home gym, game room, or creative workspace.
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 2014)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public 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: ~1,806 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 parking
Guana Reserve dirt lotabout 2 mi · 60 parking spaces
Closest park or preserve
Stokes Landing Conservation Areaabout 0.6 mi · 1.9 mi of trails
Closest public boat ramp
GTM Guana River Dam Recreation Area – River Access Rampabout 2 mi · Guana River
Closest kayak & paddleboard launch
Nocatee Landing Park – Paddlecraft Rampabout 4 mi · Tolomato River
Closest youth league fields
Palencia Parkabout 2 mi · Baseball
Closest grocery store
Publixabout 2 mi · 7462 US Hwy 1 N, Saint Augustine
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 | $1,246,444 | $1,246,444 | — |
| 2024 | $1,144,386 | $662,957 | — |
| 2023 | $1,117,504 | $642,191 | — |
| 2022 | $974,939 | $622,030 | — |
| 2021 | $777,063 | $602,456 | — |
| 2020 | $784,185 | $593,448 | — |
2024 property taxes (current owner): $8,740/yr
Estimated taxes if purchased at asking price: ~$34,500/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.
History
Price & status history
- Jul 24, 2026Listed$2,160,000
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 $282/sq ft; this home is listed at $622/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 161 N River Drive, St. Augustine, FL 32095Listed by EXP REALTY LLC | Oct 2026 | $1,275,000 | $346 | 4/4 | 3,681 | 114 | 1.2 |
| 266 Sophia Terrace, St. Augustine, FL 32095Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $1,090,000 | $365 | 4/3 | 2,983 | 120 | 1.3 |
| 120 Stokes Landing Road, St. Augustine, FL 32095Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Aug 2026 | $488,800 | $199 | 3/3.5 | 2,460 | 438 | 1.3 |
| 828 Riley Lane, St. Augustine, FL 32095Listed by INTERNATIONAL GOLF REALTY | Sep 2026 | $778,000 | $252 | 5/3 | 3,083 | 35 | 1.4 |
| 508 Sebastian Square, St. Augustine, FL 32095Listed by ROUND TABLE REALTY | Jul 2026 | $975,000 | $275 | 4/4 | 3,551 | 43 | 1.4 |
| 524 Sebastian Square, St. Augustine, FL 32095Listed by THE VIRTUAL REALTY GROUP | Jul 2026 | $814,000 | $282 | 4/3 | 2,885 | 37 | 1.4 |
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: ENDLESS SUMMER 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.
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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