This home is in St. Augustine.
Sold·Closed Sep 30, 2026·4 days on market·Recent sales in World Golf Village
1232 Ardmore Street
St. Augustine, FL 32092
About this home
St. Augustine
Opportunity awaits with this 3-bedroom, 2-bath waterfront home offering a functional floor plan, spacious living areas, and plenty of potential! Priced with updates in mind, this home is perfect for buyers looking to add their own personal touches. Inside you'll find a spacious living room with vaulted ceilings, separate dining area, generously sized kitchen with ample cabinet and counter space, and updated laminate flooring throughout much of the home. The split-bedroom floor plan provides added privacy, with a spacious primary suite featuring a walk-in closet and private bath. Step outside to the large screened porch overlooking a peaceful pond--the perfect spot to relax and enjoy the view. Sold as-is and priced accordingly, this home offers a great opportunity to build equity and make it your own!
Next steps in World Golf Village
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.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 2004)
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: ~1,768 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): $2,913/yr
Estimated taxes if purchased at asking price: ~$4,800/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
- Oct 1, 2026Closed$300,000
- Sep 1, 2026Pending$300,000
- Aug 28, 2026Listed$300,000
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 $201/sq ft; this home is listed at $196/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 474 Mackenzie Circle, St. Augustine, FL 32092Listed by SOVEREIGN REAL ESTATE GROUP | Jul 2026 | $340,000 | $198 | 3/2 | 1,720 | 27 | 0.1 |
| 485 Mackenzie Circle, St. Augustine, FL 32092Listed by DAVIDSON REALTY, INC. | Jun 2026 | $330,000 | $179 | 3/2 | 1,844 | 12 | 0.1 |
| 1315 Ardmore Street, Jacksonville, FL 32092Listed by COLDWELL BANKER VANGUARD REALTY | Jun 2026 | $314,900 | $253 | 3/2 | 1,246 | 55 | 0.2 |
| 1134 Ardmore Street, St. Augustine, FL 32092Listed by PEARSALL PROPERTIES INC | Sep 2026 | $340,000 | $203 | 3/2 | 1,674 | 1 | 0.3 |
| 673 Mackenzie Circle, St. Augustine, FL 32092Listed by REMAX WELCOME HOME | Aug 2026 | $345,000 | $201 | 3/2 | 1,716 | 101 | 0.3 |
| 1134 Ardmore Street, St. Augustine, FL 32092Listed by UNITED REAL ESTATE GALLERY | Jun 2026 | $220,100 | $131 | 3/2 | 1,674 | 13 | 0.3 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY
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
This home sold on Sep 30, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →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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