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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 St Augustine Shores, St. Augustine.

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Active·34 days on market·St Augustine Shores

216 Estancia Street

St. Augustine, FL 32086

$293,750$304/sqftEst. $1,568/moMLS# 2162124
↓ $5,100 below original list
2
Beds
1.5
Baths
966
Sq Ft
1980
Built
—
Garage
No
Pool

28 more homes for sale in St Augustine Shores →Search St Augustine Shores on the map

FEMA Zone XHOA $35/mo8,712 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

St Augustine Shores

Adorable, well-maintained, and move-in ready!! Located on quiet Estancia St., this tucked away 2 Bed/1.5 Bath St Augustine Shores block home is ready for a new owner. Come see all the possibilities this home has to offer. Whether you're a first time home buyer or just looking to downsize this home is for you! Upgrades include: Re-plumbed - June 2021, newer water heater, air conditioner, newer carpet, tile and fresh paint. St. Augustine Shores golf course community is located in the south of St. Augustine and is right around the corner from Crescent Beach, A rated schools, shopping, hospitals, and historic downtown. Community features include: waterfront recreational building, pool, park, picnic area, volleyball, sports field, ballroom, game room, library, gazebo, fishing dock, and the St. Augustine Shores Golf Club. Reasonable HOA fee and miles and miles of walking trails.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$1,568
Property taxesest. at asking price, St. Johns County$391
HOAbilled monthly$35
Estimated total, before insurance$1,994/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,835/yr · $236/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$293,750
$58,750
Loan Term
Monthly Payment
$1,568
Principal & Interest: $1,568
Property taxes (est.): $391
Insurance (est.): $196
Estimated Total Monthly
$2,155
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 1980)

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: ~1,802 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.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:18 AM, sunset 7:11 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,835/yr

Estimated taxes if purchased at asking price: ~$4,700/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, NEFMLS.

History

Price & status history

  • Sep 21, 2026Price change$293,750−$5,100
  • Aug 27, 2026Listed$298,850

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

Features

Price$293,750
Price / Sq Ft$304
Bedrooms2
Bathrooms1.50
Full Baths1
Half Baths1
Square Footage966
Acres0.20 acres
Year Built1980
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

Community Information

Address216 Estancia Street, St. Augustine, FL 32086
Area334-Moultrie/St Augustine Shores
SubdivisionSt Augustine Shores
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32086
Lot Size8,712 sq ft
Parcel Number2701330190

Amenities

Community FeaturesSidewalks, Fishing, Suburban, Street Lights
UtilitiesCable Available, Electricity Available, Sewer Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Carport, Off Street

Interior

Interior FeaturesVaulted Ceiling(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Washer
HeatingCentral, Electric
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered
RoofShingle
ConstructionBlock
Other StructuresShed(s)
Road SurfaceAsphalt

Additional Information

Date ListedAugust 27, 2026
Days on Market25
HOA Fees$34.73 / Monthly
HOA FrequencyMonthly
Tax Amount$2,834.88
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BEACH TOWN REALTY OF ST AUGUSTINE

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 St Augustine Shores

St Augustine Shores is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.

View all St Augustine Shores 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

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