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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 Sevilla, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·45 days on market·Sevilla

1076 Santa Cruz Street

St. Augustine, FL 32092

$359,900$250/sqftEst. $1,970/moMLS# 2160494
↓ $13,000 below original list
3
Beds
2
Baths
1,442
Sq Ft
2013
Built
2
Garage
No
Pool

17 more homes for sale in Sevilla →Search Sevilla on the map

FEMA Zone XHOA $81/mo8,276 sqft lotSingle Family Residence1 story

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

About this home

Sevilla

Welcome to easy living in Sevilla, conveniently located in the World Golf Village area of St. Augustine. This beautifully updated 3-bedroom, 2-bath home is filled with features that make it easy to move right in and start enjoying everything the area has to offer. Inside, the open and comfortable floor plan features new LVP flooring throughout, stone countertops, updated lighting, and a cozy electric fireplace that adds warmth and character to the main living area. The split-bedroom layout provides privacy for the primary suite, while two additional bedrooms offer flexibility for family, guests, or a home office. Thoughtful improvements continue with new screens, exterior LED lighting, and a finished epoxy garage floor. The outdoor space is a standout feature. A fully fenced backyard and oversized paver patio provide plenty of room for grilling, entertaining, pets, or relaxing outside and enjoying Florida's year-round sunshine. Sevilla offers amenities for all ages

Cost to own

True monthly cost

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

Principal & interest20% down · 7.28% · 30yr$1,970
Property taxesest. at asking price, St. Johns County$479
HOAbilled semi-annually$81
Estimated total, before insurance$2,530/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

$359,900
$71,980
Loan Term
Monthly Payment
$1,970
Principal & Interest: $1,970
Property taxes (est.): $479
Insurance (est.): $240
Estimated Total Monthly
$2,689
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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 — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2013)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,765 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

YearMarket valueTaxable valueChange
2025$314,352$314,352—
2024$299,816$299,816—

Estimated taxes if purchased at asking price: ~$5,700/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 (2025), NEFMLS.

History

Price & status history

  • Sep 21, 2026Price change$359,900−$5,000
  • Sep 16, 2026Price change$364,900−$5,099
  • Sep 1, 2026Active Under Contract$369,999
  • Aug 26, 2026Price change$369,999−$2,901
  • Aug 17, 2026Listed$372,900

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

Features

Price$359,900
Price / Sq Ft$250
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,442
Acres0.19 acres
Year Built2013
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address1076 Santa Cruz Street, St. Augustine, FL 32092
Area308-World Golf Village Area-SW
SubdivisionSevilla
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size8,276.4 sq ft
Parcel Number0283323410
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Jogging Path, Park
Community FeaturesSidewalks, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Ice Maker, Microwave, Refrigerator, Washer, Washer/Dryer Stacked
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchPatio, Porch
FencingBack Yard, Vinyl
ConstructionFiber Cement, Frame, Stone Veneer
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedAugust 17, 2026
Days on Market41
HOA Fees$485 / Semi-Annually
HOA FrequencySemi-Annually
HOA Fee IncludesMaintenance Grounds, Other
Listing TermsAssumable, Cash, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

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 Sevilla

Sevilla is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.

View all Sevilla homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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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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