This home is in Treaty Oaks, St. Augustine.
Active·47 days on market·Treaty Oaks
41 Opal Way
St. Augustine, FL 32086
4 more homes for sale in Treaty Oaks →Search Treaty Oaks on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Treaty Oaks
Welcome to 41 Opal Way, a spacious 5 bedroom, 2.5 bathroom home offering 3,544 square feet in St. Augustine. This home combines comfort with room to grow, perfect for many lifestyles. The bright living room is ideal for relaxing or entertaining. The gourmet kitchen features a large center island and ample cabinetry, flowing into a cozy eating area. A separate formal dining room is perfect for hosting gatherings. The main level includes a convenient downstairs bedroom, ideal for guests, multigenerational living, or a home office. Upstairs, a versatile loft offers space for a media room, playroom, or gym. Outside, enjoy a fully fenced backyard, offering privacy for pets, play, or entertaining. The oversized 3 car garage provides plenty of room for vehicles and storage. With its generous layout and functional design, 41 Opal Way is a must see property in a desirable St. Augustine community. Schedule your private showing today and experience this exceptional home.
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: ~1,773 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): $6,571/yr
Estimated taxes if purchased at asking price: ~$8,900/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 16, 2026Price change$555,000−$15,000
- Sep 24, 2026Price change$570,000−$5,000
- Sep 10, 2026Listed$575,000
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 $177/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 189 Onyx Court, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jun 2026 | $555,000 | $202 | 5/3.5 | 2,753 | 13 | 0.2 |
| 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 |
| 144 Amia Drive, St. Augustine, FL 32086Listed by EXP REALTY LLC | May 2026 | $515,000 | $195 | 4/3 | 2,636 | 1 | 0.3 |
| 463 Tumbled Stone Way, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | May 2026 | $490,000 | $183 | 4/3 | 2,674 | 203 | 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 |
| 400 Plantation Grove Lane, St. Augustine, FL 32086Listed by OPENDOOR BROKERAGE, LLC. | Jul 2026 | $850,000 | $255 | 5/3 | 3,338 | 12 | 0.7 |
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: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
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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Your Local Realtor
Krista Fracke
Broker Associate
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