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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.

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Active·Listed today

1200 N Clay Street

St. Augustine, FL 32084

$420,000$331/sqftEst. $2,159/moMLS# 2162275
3
Beds
2
Baths
1,267
Sq Ft
2023
Built
1
Garage
No
Pool

About this home

St. Augustine

New build energy without the wait. Modern farmhouse curb appeal with clean, bright interiors in this 2023 built 3 bedroom, 2 bath home set on an oversized corner lot that delivers real privacy and space between you and the neighbors. Blonde gray LVP flooring throughout, 42 inch shaker cabinetry, Samsung appliances, and a stone tiled walk in shower in the owner's suite. Custom built ins and smart storage throughout, attached garage with designed laundry space, and an extended driveway. Location is the win here. Minutes to historic downtown St. Augustine, the beaches at Vilano, area golf, SR 16 shopping and dining, and a quick shot to I 95 for the Jacksonville commute. Move in ready. Schedule your Showing today!

Cost to own

Mortgage calculator

$420,000
$84,000
Loan Term
Monthly Payment
$2,159
Principal & Interest: $2,159
Property taxes (est.): $559
Insurance (est.): $280
Estimated Total Monthly
$2,998
*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$2,159
Property taxesest. at asking price, St. Johns County$559
Estimated total, before insurance$2,718/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,524/yr · $294/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,524/yr

Estimated taxes if purchased at asking price: ~$6,700/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

  • Aug 28, 2026Listed$420,000

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

Features

Price$420,000
Price / Sq Ft$331
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,267
Acres0.16 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address1200 N Clay Street, St. Augustine, FL 32084
Area336-Ravenswood/West Augustine
SubdivisionAfro American
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size6,969.6 sq ft
Parcel Number1184730000

Amenities

UtilitiesElectricity Available, Sewer Connected, Water Available
SewerSeptic Tank
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesEat-in Kitchen, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo

Exterior

Patio / PorchPatio
FencingFenced, Wood

Additional Information

Date ListedAugust 28, 2026
Days on Market1
Tax Amount$3,523.9
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REALTY ONE GROUP ELEVATE

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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