This home is in Treaty Oaks, St. Augustine.
Active·47 days on market·Treaty Oaks
74 Opal Way
St. Augustine, FL 32086
4 more homes for sale in Treaty Oaks →Search Treaty Oaks on the map
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About this home
Treaty Oaks
MOTIVATED SELLERS!!! Step inside 74 Opal Way, a beautifully maintained 2 story home located in the desirable Treaty Oaks community! Built in 2021, this 3 bedroom, 2.5 bath home with a flex office space and a loft that offers 2,380 square feet of living area and 3,049 total square feet. The open concept floor plan creates a bright and inviting space that is perfect for everyday living and entertaining. Freshly painted throughout the interior with thoughtful updates, this home offers a fresh, modern feel from the moment you walk in. The beautifully maintained exterior and recently enhanced lawn add to the home's curb appeal. Enjoy an incredible community lifestyle with amenities including a clubhouse, pool, fitness center, and playground. Conveniently located just minutes from I-95, Publix, shopping centers, restaurants, and more. Sellers preferred lender is offering 1% of loan amount to the buyers closing cost, prepaid, or rate buydown. Conditions apply.
Next steps in Treaty Oaks
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: Shingle — year not disclosed (home built 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,771 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 September 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
A Street ramp and lots27 min drive · 45 parking spaces
Closest park or preserve
Treaty Park3 min drive · 1.9 mi of trails
Closest public boat ramp
Moultrie Creek Boat Rampabout 3 mi · Moutrie Creek
Closest kayak & paddleboard launch
Vail Point Park – Paddlecraft Dockabout 3 mi · Moultrie Creek
Closest youth league fields
Treaty Park5 min drive · Basketball, Football, Lacrosse
Closest grocery store
Publix4 min drive · 250 Plaza Blvd, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,358/yr
Estimated taxes if purchased at asking price: ~$7,800/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 12, 2026Price change$490,000−$10,000
- Sep 21, 2026Price change$500,000−$15,000
- Sep 11, 2026Active$515,000
- Sep 3, 2026Listed$515,000
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 $242/sq ft; this home is listed at $206/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 115 Sierras Loop, St. Augustine, FL 32086Listed by THOMPSON REALTY & DEVELOPMENT INC. | Sep 2026 | $548,000 | $242 | 4/2.5 | 2,268 | 143 | 0.3 |
| 3613 Fort Peyton Circle, St. Augustine, FL 32086Listed by THE NEWCOMER GROUP | Oct 2026 | $350,000 | $206 | 3/2 | 1,699 | 50 | 0.6 |
| 1191 Brookside Court, St. Augustine, FL 32086Listed by WATSON REALTY CORP | Sep 2026 | $770,000 | $267 | 4/2.5 | 2,884 | 131 | 0.7 |
| 217 S Shadowwood Drive, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jul 2026 | $700,000 | $339 | 3/2 | 2,067 | 41 | 0.8 |
| 433 Jarama Circle, St. Augustine, FL 32084Listed by COLDWELL BANKER BEN BATES INC | Oct 2026 | $321,000 | $144 | 4/2.5 | 2,231 | 95 | 1.1 |
| 280 Sawmill Landing Drive, St. Augustine, FL 32086Listed by ENGEL & VOLKERS ST AUGUSTINE | Aug 2026 | $385,000 | $204 | 3/2.5 | 1,886 | 96 | 1.2 |
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
Exterior
Additional Information
Listing Courtesy of: HERRON REAL ESTATE LLC
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 Treaty Oaks
Treaty Oaks is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.
View all Treaty Oaks homes for sale →Keep looking
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Krista Fracke
Broker Associate
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