This home is in St. Augustine — a home near St. Augustine High School.
Active·46 days on market
28 Islander Court
St. Augustine, FL 32080
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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
Live the island life in this move-in-ready townhome located in the gated Islander community on Anastasia Island-- PRICED TO SELL! This 2-bedroom, 2.5-bath home features a one-car garage, two-car driveway, open floor plan, new A/C installed in 2023, updated Kenmore appliances, tile flooring, newer carpet, and an enlarged partially fenced patio offering added privacy. Upstairs, both spacious bedrooms include private full baths and there's a versatile loft that's perfect for a home office, playroom, or additional TV area. Enjoy the community pool and an unbeatable location just 1.8 miles from the beach, minutes from Anastasia State Park, the Amphitheatre, Wednesday Pier Market, and historic downtown St. Augustine. Community roofs are scheduled for replacement, and the seller has already paid the special assessment. Home is occupied; confirmed appointment required, BOOK TODAY!
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 X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 2013)
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: ~1,812 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
Anastasia State Park (south lot)about 1 mi · 100 parking spaces
Closest park or preserve
Anastasia State Parkabout 1 mi · 0.7 mi of trails
Closest public boat ramp
Douglas C. Crane Parkabout 2 mi · Matanzas River
Closest kayak & paddleboard launch
Anastasia State Park Canoe/Kayak/Sailboard Accessabout 1 mi · Salt Run
Closest youth league fields
Eddie Vickers Parkabout 2 mi · Basketball, Football, Lacrosse
Closest grocery store
Walmart Supercenterabout 2 mi · 2355 US Highway 1 S, 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:33 AM, sunset 6:46 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
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): $5,644/yr
Estimated taxes if purchased at asking price: ~$5,000/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 7, 2026Listed$315,000
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 $224/sq ft; this home is listed at $262/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 58 Islander Circle, St. Augustine, FL 32080Listed by WATSON REALTY CORP | Jun 2026 | $342,000 | $264 | 2/2.5 | 1,295 | 6 | 0.1 |
| 205 Islander Drive, St. Augustine, FL 32080Listed by RE/MAX UNLIMITED | Jun 2026 | $337,500 | $261 | 2/2.5 | 1,295 | 141 | 0.1 |
| 5 Rachel Court, St. Augustine, FL 32080Listed by FIV REALTY CO FLORIDA LLC | Sep 2026 | $321,500 | $221 | 2/2.5 | 1,458 | 36 | 0.2 |
| 19201 Harbour Vista Circle, St. Augustine, FL 32080Listed by EXP REALTY, LLC | Jul 2026 | $258,000 | $224 | 2/2 | 1,153 | 23 | 0.5 |
| 23213 Harbour Vista Circle, St. Augustine, FL 32080Listed by WATSON REALTY CORP | Jul 2026 | $250,000 | $164 | 2/2 | 1,521 | 0 | 0.5 |
| 35211 Harbour Vista Circle, St. Augustine, FL 32080Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jul 2026 | $252,000 | $174 | 3/2 | 1,451 | 82 | 0.5 |
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: MAXREV, 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.
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Krista Fracke
Broker Associate
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