This home is in St. Augustine — a home near Pedro Menendez High School.
Sold·Closed Sep 30, 2026·5 days on market·Recent sales in St. Augustine
5448 3rd Street
St. Augustine, FL 32080
About this home
St. Augustine
Completely remodeled in 2023, this stunning coastal home is truly move-in ready! Every detail has been thoughtfully updated, including fresh interior paint, new baseboards, stained epoxy flooring, new appliances, and a new HVAC system. The bright, open-concept kitchen flows seamlessly into the living area, creating the perfect space for entertaining family and friends. One of the home's standout features is the beautifully enclosed Florida room, complete with all-new windows, flooring, a mini-split system, and a new exterior door. This versatile space is ideal as a third bedroom, home office, game room, or additional living area. Step outside to the spacious, fully fenced backyard with plenty of room to add a pool and create your own private outdoor oasis. Located in a desirable neighborhood with no HOA and no rental restrictions, this property offers exceptional flexibility as a primary residence, vacation home, or highly desirable short-term rental investment.
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).
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 1961)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Public water · St Johns County Utilities - water accounts
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: ~1,637 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
Skipper Stabout 0.3 mi
Closest park or preserve
Moses Creek Conservation Areaabout 3 mi · 7.6 mi of trails
Closest public boat ramp
Palmetto Road Public Boat Rampabout 0.3 mi · Matanzas River
Closest kayak & paddleboard launch
Coastal Drive Kayak Beachabout 2 mi
Closest youth league fields
Frank Butler Beachfront Park Eastabout 0.6 mi · Soccer
Closest grocery store
Winn-Dixieabout 2 mi · 3905 A1A South, St 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
2025 property taxes (current owner): $5,788/yr
Estimated taxes if purchased at asking price: ~$7,900/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, NEFMLS.
History
Price & status history
- Oct 2, 2026Closed$499,900
- Aug 3, 2026Active Under Contract$499,900
- Jul 27, 2026Listed$499,900
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 $333/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5467 1st Street, St. Augustine, FL 32080Listed by LIGHTHOUSE REALTY ASSOCIATES | Jun 2026 | $468,000 | $397 | 3/2 | 1,180 | 86 | 0.1 |
| 5401 Pelican Way, St. Augustine, FL 32080Listed by COMPASS FLORIDA LLC | Oct 2026 | $1,100,000 | $651 | 3/3 | 1,691 | 2 | 0.2 |
| 5367 5th Street, St. Augustine, FL 32080Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2026 | $455,000 | $303 | 3/2 | 1,504 | 1 | 0.2 |
| 5324 2nd Street, St. Augustine, FL 32080Listed by ENGEL & VOLKERS ST AUGUSTINE | May 2026 | $589,000 | $393 | 3/2 | 1,500 | 16 | 0.2 |
| 40 E Magnolia Avenue, St. Augustine, FL 32080Listed by THE NEWCOMER GROUP | Aug 2026 | $1,067,500 | $585 | 4/3 | 1,824 | 113 | 0.7 |
| 284 San Nicolas Way, St. Augustine, FL 32080Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $550,000 | $296 | 3/2 | 1,858 | 181 | 0.9 |
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: LIGHTHOUSE REALTY ASSOCIATES
Sold by: REAL BROKER LLC (buyer's brokerage)
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 30, 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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