This home is in St. Augustine.
Active·54 days on market
84 Monroe Avenue
St. Augustine, FL 32086
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Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
St. Augustine
ST. AUGUSTINE LIVING WITH MODERN COMFORT, FLEX SPACE & OUTDOOR. Enjoy the St. Augustine lifestyle in this well-maintained 3-bedroom, 2-bath home built in 2017. Offering a comfortable layout, modern features and an inviting outdoor area, this home is an excellent opportunity for buyers looking for convenience without giving up space or comfort. The interior features an open-concept living area, stainless-steel appliances, new carpet and a versatile flex room that can adapt to your needs as a home office, hobby space, den or additional living area. The covered outdoor lanai extends space and overlooks the backyard. Located in St. Augustine with convenient access to historic downtown, area beaches, shopping, dining and major roadways, 84 Monroe offers the opportunity to enjoy Northeast Florida living while maintaining easy access to the places you need every day.
Next steps in St. Augustine
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 2017)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,660 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 homeAs 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): $1,996/yr
Estimated taxes if purchased at asking price: ~$5,600/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
- Sep 5, 2026Price change$349,900−$4,000
- Aug 18, 2026Listed$353,900
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 $244/sq ft; this home is listed at $243/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 204 Saranac Lane, St. Augustine, FL 32086Listed by PONTE VEDRA CLUB REALTY, INC. | Jul 2026 | $340,000 | $233 | 4/2.5 | 1,459 | 23 | 0.1 |
| 4028 Red Pine Lane, St. Augustine, FL 32086Listed by REDFIN CORPORATION | May 2025 | $455,000 | $269 | 3/2 | 1,692 | 5 | 0.5 |
| 3345 Kings Road S, St. Augustine, FL 32086Listed by INTEGRITY KEY REALTY LLC | Oct 2026 | $520,000 | $286 | 3/2 | 1,818 | 29 | 1.4 |
| 4632 Peele Street, Elkton, FL 32033Listed by RE/MAX SPECIALISTS | Aug 2026 | $399,900 | $214 | 4/2 | 1,868 | 8 | 1.4 |
| 5349 Cypress Links Boulevard, Elkton, FL 32033Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Apr 2026 | $450,000 | $244 | 4/2 | 1,848 | 27 | 1.4 |
| 43 Moultrie Creek Circle, St. Augustine, FL 32086Listed by CENTURY 21 ST AUGUSTINE PROPERTIES | Sep 2025 | $355,000 | $193 | 3/2 | 1,839 | 26 | 1.5 |
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
School Information
Community Information
Amenities
Interior
Additional Information
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.
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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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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines