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Active Under Contract

$799,000Active Under Contract3 bd · 2 ba · 1,551 sq ft

Active Under Contract·92 days on market

4 St. Andrews Court

St. Augustine, FL 32084

$799,000$515/sqftEst. $4,356/mo mortgageMLS# 2157793

Beds

Baths

1,551

Sq Ft

1900

Built

—

Garage

Pool

FEMA Zone AENo HOASingle Family Residence2 stories

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Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

St. Augustine

Fabulous fully-renovated and furnished 2-story 3 BR, 2 baths turn of century Victorian in heart of downtown St. Augustine -- close walk to Flagler College, Cathedral, restaurants and shops, and bayfront. Short-term rental income-producing, and ideal for empty nesters or second homeowners. Enjoy the breezes from the rocking chair of your front porch or upstairs balcony. Much of this classic design remains original, from doors, hardware to hardwood floors, which sparkle on first and second floor. Furnished and move-in ready, home flows seamlessly -- combining historic charm with contemporary comforts, making it a truly special find in the heart of the city. Bright updated kitchen that features SS appliances, white cabinets and beautiful countertops.A must see on your downtown St. Augustine showing list!

Next steps in St. Augustine

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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 · 7.24% · 30yr$4,356

Property taxesest. at asking price, St. Johns County$1,063

Estimated total, before insurance$5,419/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$799,000

Down Payment: 20%

$159,800

Interest Rate: 7.24%

Loan Term

Monthly Payment

$4,356

Principal & Interest: $4,356

Property taxes (est.): $1,063

Insurance (est.): $533

Estimated Total Monthly

$5,952

*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 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: Metal — year not disclosed (home built 1900)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,634 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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
Vilano Beach oceanfront
about 2 mi · 37 parking spaces
Closest park or preserve
Anastasia State Park
about 2 mi · 0.7 mi of trails
Closest public boat ramp
Vilano Public Boat Ramp
about 1 mi · Tolomato River / St. Augustine Inlet
Closest kayak & paddleboard launch
Vilano Causeway Primitive Access
about 1 mi · Hospital Creek
Closest youth league fields
Ketterlinus Gym Community Center
about 0.2 mi · Basketball
Closest grocery store
Winn-Dixie
about 1 mi · 1010 Ponce De Leon Blvd S, 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.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:38 AM, sunset 6:39 PM.

The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

Oct 17, 2026Active Under Contract$799,000
Jul 30, 2026Listed$799,000

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 $427/sq ft; this home is listed at $515/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
33 Cincinnati Avenue, St. Augustine, FL 32084Listed by ST AUGUSTINE REALTY	Oct 2026	$590,000	$419	4/2	1,408	253	0.4
28 Joiner Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE	Aug 2026	$655,000	$475	3/2	1,378	3	0.4
249 Charlotte Street, St. Augustine, FL 32084Listed by REDFIN CORPORATION	Sep 2026	$800,000	$645	3/2	1,240	3	0.5
110 De Haven Street, St. Augustine, FL 32084Listed by COLDWELL BANKER ANABASIS REALTY	Sep 2026	$507,800	$277	4/3	1,830	7	0.7
40 N St Augustine Boulevard, St. Augustine, FL 32080Listed by SAVVY AVENUE, LLC.	Aug 2026	$830,000	$427	3/2	1,946	95	0.7
118 Kings Ferry Way, St. Augustine, FL 32084Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST	Aug 2026	$582,000	$399	3/2.5	1,457	35	0.7

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$799,000

Price / Sq Ft$515

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,551

Year Built1900

TypeResidential

Sub-TypeSingle Family Residence

StyleHistoric, Traditional, Victorian

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Carport Spaces2

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

Zoned elementaryKetterlinus Elementary School

Zoned middleSebastian Middle School

Zoned highSt. Augustine High School

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.

Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address4 St. Andrews Court, St. Augustine, FL 32084

Area322-Downtown St Augustine

SubdivisionModel Land Comp

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Parcel Number2054600000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached Carport

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Primary Bathroom -Tub with Separate Shower

AppliancesDishwasher, Dryer, Electric Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringWood

# of Stories2

LevelsTwo

LaundryLower Level

Exterior

Exterior FeaturesBalcony

Lot DescriptionDead End Street, Many Trees

Patio / PorchPorch

FencingBack Yard

RoofMetal

ConstructionFrame

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedJuly 30, 2026

Days on Market92

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.

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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