75 Granite Avenue

• • 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 (2025), NEFMLS.

• Sep 4, 2026Price change$540,000−$20,000
• Aug 4, 2026Listed$560,000

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

• 

  For Sale

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  3 bd · 2 ba · 2,128 sq ft

  $530,000Est. $2,821/mo

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• 

  For Sale

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  $515,000Est. $2,741/mo

  MOTIVATED SELLERS!!! Step inside 74 Opal Way, a beautifully maintained 2 story home located in the desirable Treaty…

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• 

  For Sale

  41 Opal Way

  St. Augustine, FL 32086

  5 bd · 2.5 ba · 3,129 sq ft

  $575,000Est. $3,060/mo

  Welcome to 41 Opal Way, a spacious 5 bedroom, 2.5 bathroom home offering 3,544 square feet in St. Augustine. This home…

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• 

  For Sale

  687 Sandstone Drive

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  4 bd · 2 ba · 1,816 sq ft

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

  Pond views, beautiful upgrades & an assumable 2.75% FHA mortgage! Welcome to this charming 4-bedroom, 2-bath…

  Listing Office: era oneteam realty

• 

  For Sale

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

  Listing Office: florida homes realty & mtg llc

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• 

  For Sale

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  St. Augustine, FL 32092

  4 bd · 3 ba · 2,472 sq ft

  $540,000Est. $2,874/mo

  Listing Office: nottingham realty and rentals

  in Johns Creek, Jacksonville