This home is in St. Augustine.
Active·44 days on market
37 Grove Avenue
St. Augustine, FL 32084
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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
RARE land + location play in the heart of St. Augustine's Historic District. Zoned HP-5 (residential or commercial per city code) on a street where sales are rare. Vacant for years, in poor/uninhabitable condition; sellers have not occupied the property and make no representations as to its full condition. Priced for land value. Rebuild, renovation, STR, or business use subject to City of St. Augustine zoning, HARB, and permitting approval -- not confirmed by seller. Sold AS-IS, WHERE-IS, all faults. Cash or renovation/rehab financing only. Buyer to independently verify zoning, HARB, STR, and permitted uses with the City prior to offer, and to conduct own due diligence. Access by appointment only.
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified — year not disclosed (home built 1895)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)
County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,674 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): $5,477/yr
Estimated taxes if purchased at asking price: ~$8,800/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 17, 2026Price change$550,000−$50,000
- Aug 27, 2026Listed$600,000
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 $452/sq ft; this home is listed at $371/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 42 Rohde Avenue, St. Augustine, FL 32084Listed by THE NEWCOMER GROUP | Jun 2026 | $675,000 | $452 | 3/2 | 1,494 | 14 | 0.1 |
| 28 Joiner Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Aug 2026 | $655,000 | $475 | 3/2 | 1,378 | 3 | 0.3 |
| 17 Ballard Avenue, St. Augustine, FL 32084Listed by RE/MAX BLUE COAST | Jul 2026 | $390,000 | $360 | 3/1 | 1,082 | 1 | 0.5 |
| 249 Charlotte Street, St. Augustine, FL 32084Listed by REDFIN CORPORATION | Sep 2026 | $800,000 | $645 | 3/2 | 1,240 | 3 | 0.8 |
| 110 De Haven Street, St. Augustine, FL 32084Listed by COLDWELL BANKER ANABASIS REALTY | Sep 2026 | $507,800 | $277 | 4/3 | 1,830 | 7 | 0.9 |
| 87 Josiah Street, St. Augustine, FL 32084Listed by NETWORTH REALTY OF JACKSONVILLE, LLC | Jul 2026 | $311,000 | $252 | 4/2 | 1,232 | 82 | 0.9 |
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: KELLER WILLIAMS JACKSONVILLE
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines