Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in St. Augustine — a gated community home in St. Johns County.

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Active Under Contract

Active Under Contract·3 days on market

3208 Haley Point Road

St. Augustine, FL 32084

$250,000$173/sqftEst. $1,289/moMLS# 2158416

Beds

Baths

1,448

Sq Ft

2002

Built

—

Garage

Pool

About this home

St. Augustine

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

Mortgage calculator

Home Price

$250,000

Down Payment: 20%

$50,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,289

Principal & Interest: $1,289

Property taxes (est.): $333

Insurance (est.): $167

Estimated Total Monthly

$1,789

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,289

Property taxesest. at asking price, St. Johns County$333

HOAbilled monthly$578

Estimated total, before insurance$2,200/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).

Cost to own

Taxes & assessment

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

Estimated taxes if purchased at asking price: ~$4,000/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.

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.

History

Price & status history

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.

Features

Price$250,000

Price / Sq Ft$173

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,448

Year Built2002

TypeResidential

Sub-TypeCondominium

StyleSpanish

StatusActive Under Contract

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

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