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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 Vista Cove, St. Augustine — a gated community home in St. Johns County.

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Sold

Sold·Closed Aug 26, 2026·3 days on market·Recent sales in Vista Cove·Vista Cove

3208 Haley Point Road

St. Augustine, FL 32084

$240,000sold priceListed at $250,000 · 96% of asking$166/sqftMLS# 2158416
3
Beds
2
Baths
1,448
Sq Ft
2002
Built
—
Garage
No
Pool

11 more homes for sale in Vista Cove →Search Vista Cove on the map

FEMA Zone XHOA $578/moCondominium1 story

About this home

Vista Cove

Ground level, all on one level. Nice location in the community, private and secluded, with a nature preserve view. Enclosed FL room adds a nice space for evening relaxation, and morning coffee. 3 brs and 2 full baths, and has plank flooring, with newer paint, kitchen appliances, and a great layout overall. PRICED to sell ASAP, and close quick, since it is ready to go!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,329
Property taxesest. at asking price, St. Johns County$319
HOAbilled monthly$578
Estimated total, before insurance$2,227/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,991/yr · $416/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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

$240,000
$48,000
Loan Term
Monthly Payment
$1,329
Principal & Interest: $1,329
Property taxes (est.): $319
Insurance (est.): $160
Estimated Total Monthly
$1,809
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 2002)

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

Likely sewer · utiity sewer proximity · Public water · utiity water proximity

County records indicate this parcel on central sewer served by utiity sewer proximity — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,780 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 August 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,991/yr

Estimated taxes if purchased at asking price: ~$3,800/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

  • Aug 26, 2026Closed$250,000
  • Aug 7, 2026Active Under Contract$250,000
  • Aug 3, 2026Listed$250,000

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 $196/sq ft; this home is listed at $173/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3117 Haley Pointe Road, St. Augustine, FL 32084Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$247,000$1753/2.51,412340
2806 Vista Cove Road, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$270,000$1942/21,393310.1
2529 Vista Cove Road, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTYMay 2026$300,000$2073/21,448340.1
2100 Vista Cove Road Road, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYAug 2026$287,000$1693/21,702280.2
1125 Vista Cove Road, St. Augustine, FL 32084Listed by ONE SOTHEBY'S INTERNATIONAL REALTYJun 2026$273,000$1963/21,3931900.2
4815 Serena Circle, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEMay 2026$338,500$2103/2.51,611200.2

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$250,000
Price / Sq Ft$173
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,448
Year Built2002
TypeResidential
Sub-TypeCondominium
StyleSpanish
StatusClosed
Has PoolNo
Is WaterfrontNo
Gated CommunityYes

Community Information

Address3208 Haley Point Road, St. Augustine, FL 32084
Area336-Ravenswood/West Augustine
SubdivisionVista Cove
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Parcel Number0941513208
ZoningCondominium

Amenities

AmenitiesPool, Clubhouse, Gated, Maintenance Grounds, Management - Full Time
Community FeaturesFishing, Street Lights, Gated, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGuest, On Street, Parking Lot, Unassigned
ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air
FlooringLaminate
# of Stories1
LevelsOne
SecuritySecurity Gate

Exterior

Patio / PorchRear Porch
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedAugust 4, 2026
Days on Market3
HOA Fees$578 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds, Maintenance Structure, Trash
Tax Amount$4,990.89
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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 Vista Cove

Vista Cove is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all Vista Cove homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 26, 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.

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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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