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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 Sunset Point, St. Augustine — a home near St. Augustine High School.

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Active

Active·90 days on market·Sunset Point

110 Sunset Circle S

St. Augustine, FL 32080

$490,000$226/sqftEst. $2,693/mo mortgageMLS# 2157586
↓ $19,000 below original list
3
Beds
2.5
Baths
2,171
Sq Ft
2005
Built
2
Garage
No
Pool

3 more homes for sale in Sunset Point →Search Sunset Point on the map

FEMA Zone XHOA $165/mo4,356 sqft lotWaterfrontTownhouse2 stories

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About this home

Sunset Point

Perfectly positioned on Anastasia Island in the highly sought-after Sunset Point community, this beautifully updated end-unit townhome offers the ideal blend of low-maintenance living, exceptional value, and one of the area's most desirable locations. With over 2,170 square feet of thoughtfully designed living space, this three-bedroom, two-and-a-half-bath residence features a highly functional floor plan that lives comfortably for both full-time residents and second-home owners. The main living level is designed for everyday living and entertaining, featuring soaring ceilings, abundant natural light, an open-concept kitchen and living area, the spacious owner's suite, and a convenient half bath, while the first floor provides two additional bedrooms, a full bathroom, a dedicated office nook, laundry room, and plenty of storage.

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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$2,693
Property taxesest. at asking price, St. Johns County$652
HOAbilled annually$165
Estimated total, before insurance$3,510/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,213/yr · $518/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

$490,000
$98,000
Loan Term
Monthly Payment
$2,693
Principal & Interest: $2,693
Property taxes (est.): $652
Insurance (est.): $327
Estimated Total Monthly
$3,671
*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 (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: Shingle — year not disclosed (home built 2005)

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: ~1,801 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): $6,213/yr

Estimated taxes if purchased at asking price: ~$7,800/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 19, 2026Price change$490,000−$4,000
  • Sep 21, 2026Price change$494,000−$5,000
  • Aug 12, 2026Price change$499,000−$10,000
  • Jul 29, 2026Listed$509,000

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 $208/sq ft; this home is listed at $226/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
103 Sunset Circle, St. Augustine, FL 32080Listed by THE NEWCOMER GROUPJan 2026$482,000$2223/2.52,17140
23213 Harbour Vista Circle, St. Augustine, FL 32080Listed by WATSON REALTY CORPJul 2026$250,000$1642/21,52100.1
17203 Harbour Vista Circle, St. Augustine, FL 32080Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJun 2026$305,000$2012/21,5212600.2
3 Rachel Court, St. Augustine, FL 32080Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEApr 2025$335,000$2083/2.51,6141180.2
193 Leeward Island Drive, St. Augustine, FL 32080Listed by LPT REALTY LLCOct 2026$430,000$2073/2.52,081320.8
189 Leeward Island Drive, St. Augustine, FL 32080Listed by FLUID REALTY, LLC.May 2026$390,000$2183/2.51,7891690.8

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$490,000
Price / Sq Ft$226
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,171
Acres0.10 acres
Year Built2005
TypeResidential
Sub-TypeTownhouse
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes
Gated CommunityYes

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 elementaryR. B. Hunt
Reported middleSebastian
Reported highSt. Augustine
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address110 Sunset Circle S, St. Augustine, FL 32080
Area331-St Augustine Beach
SubdivisionSunset Point
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32080
Lot Size4,356 sq ft
Lot Dimensions34x116x34x123
Parcel Number1626810770
ZoningResidential

Amenities

AmenitiesGated, Maintenance Grounds, Management - Full Time
Community FeaturesSidewalks, Street Lights, Gated, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Off Street
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories2
LaundryIn Unit
SecuritySecurity Gate

Exterior

Exterior FeaturesBalcony
RoofShingle
ConstructionBrick, Composition Siding
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedJuly 29, 2026
Days on Market90
HOA Fees$1,983 / Annually
HOA FrequencyAnnually
HOA NameSunset Point Coach Homes
HOA Fee IncludesMaintenance Grounds
Tax Amount$6,212.57
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: THE NEWCOMER GROUP

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 Sunset Point

Sunset Point is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32080.

View all Sunset Point 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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