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This home is in St. Augustine.

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5448 3rd Street

St. Augustine, FL 32080

$499,900$333/sqftEst. $2,549/moMLS# 2157209
3
Beds
2
Baths
1,502
Sq Ft
1961
Built
1
Garage
No
Pool

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.

Cost to own

Mortgage calculator

$499,900
$99,980
Loan Term
Monthly Payment
$2,549
Principal & Interest: $2,549
Property taxes (est.): $665
Insurance (est.): $333
Estimated Total Monthly
$3,547
*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$2,549
Property taxesest. at asking price, St. Johns County$665
Estimated total, before insurance$3,214/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,788/yr · $482/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,788/yr

Estimated taxes if purchased at asking price: ~$8,000/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

  • Jul 27, 2026Listed$499,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$499,900
Price / Sq Ft$333
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,502
Acres0.28 acres
Year Built1961
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryW. D. Hartley

Community Information

Address5448 3rd Street, St. Augustine, FL 32080
Area331-St Augustine Beach
SubdivisionMicklers
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32080
Lot Size12,196.8 sq ft
Parcel Number1787600000

Amenities

UtilitiesCable Not Available, Electricity Connected
SewerSeptic Tank
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Primary Bathroom - Shower No Tub, Split Bedrooms
AppliancesDisposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Exterior FeaturesOutdoor Shower
Patio / PorchRear Porch
FencingBack Yard, Other
ConstructionBlock, Concrete

Additional Information

Date ListedJuly 27, 2026
Days on Market0
Tax Amount$5,788.41
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LIGHTHOUSE REALTY ASSOCIATES

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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