155 Hawthorne Road

• • 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).

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.

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.

• Aug 19, 2026Price change$415,000−$10,000
• Aug 4, 2026Listed$425,000

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

• 

  Under Contract

  108 Aspen Road

  St. Augustine, FL 32086

  3 bd · 2 ba · 1,334 sq ft

  $419,000Est. $2,230/mo

  Brand New Construction! This 3-bedroom, 2-bathroom home offers 1,334 sq ft of living space. This home is bright, clean,…

  Listing Office: ponte vedra club realty, inc.

• 

  Pending

  110 Osprey Road

  St. Augustine, FL 32086

  3 bd · 2 ba · 1,385 sq ft

  $419,000Est. $2,230/mo

  Coastal living meets total peace of mind at 110 Osprey Rd -- a fully renovated 3-bedroom, 2-bath retreat in the heart…

  Listing Office: one sotheby's international realty

• 

  For Sale

  111 Swallow Road

  St. Augustine, FL 32086

  3 bd · 2 ba · 2,073 sq ft

  $425,000Est. $2,262/mo

  Seller now offering a $5K credit at closing! Ready to escape the HOA? Welcome to St Augustine South, one of St…

  Listing Office: keller williams realty atlantic partners st. augustine

• 

  For Sale

  178 Segovia Road

  St. Augustine, FL 32086

  3 bd · 2 ba · 1,511 sq ft

  $429,900Est. $2,288/mo

  Welcome to 178 Segovia Road, a 3-bedroom, 2-bath pool home with a flex room located in the sought-after St. Augustine…

  Listing Office: keller williams st johns

• 

  For Sale

  826 A1A Beach Blvd Boulevard 37

  St. Augustine, FL 32080

  2 bd · 2 ba · 1,184 sq ft

  $460,000Est. $2,448/mo

  Listing Office: florida homes realty & mtg llc

  in Ponce Landing
• 

  For Sale

  45 Spindrift Court

  St. Augustine, FL 32092

  3 bd · 2 ba · 1,850 sq ft

  $418,499Est. $2,227/mo

  Listing Office: betros realty inc

  in Shearwater, St. Johns County