This home is in St. Augustine.
$750,000Sold4 bd · 2.5 ba · 1,794 sq ft
Sold·Closed Oct 30, 2026·20 days on market·Recent sales in St. Augustine
402 3rd Street
St. Augustine, FL 32084
About this home
St. Augustine
NEW ROOF + REMODELED VILANO BEACH BUNGALOW -- JUST 2 BLOCKS TO THE BEACH & RIVER! Live the Vilano Beach lifestyle in this turnkey 4-bedroom coastal retreat, ideally located just two blocks from the Atlantic Ocean and two blocks from the Tolomato River. Walk to the beach for a morning in the surf, then head to the river for spectacular sunset views. Vilano Beach restaurants, shopping and the pier are nearby, while Historic Downtown St. Augustine is just minutes away. Inside, the home has been beautifully remodeled with a bright coastal aesthetic, professionally styled interiors and an open, functional layout designed for easy everyday living, entertaining and hosting guests. One of the home's most unique features is the converted garage GAME ROOM--a flexible bonus space complete with an indoor putting green, ping pong, arcade games, lounge area and turf flooring.
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).
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 1976)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,579 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 access
Fifth Stabout 0.3 mi
Closest park or preserve
Stokes Landing Conservation Areaabout 4 mi · 1.9 mi of trails
Closest public boat ramp
Vilano Public Boat Rampabout 3 mi · Tolomato River / St. Augustine Inlet
Closest kayak & paddleboard launch
Fort Mose Historic State Park – Kayak Launch Dockabout 2 mi · Robinson Creek - Tolomato River
Closest youth league fields
Ketterlinus Gym Community Centerabout 4 mi · Basketball
Closest grocery store
Winn-Dixieabout 2 mi · 3551 N Ponce De Leon Blvd, St 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
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:37 AM, sunset 6:40 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $779,599 | $779,599 | — |
| 2024 | $766,837 | $766,837 | — |
| 2023 | $723,145 | $366,731 | — |
| 2022 | $627,442 | $353,137 | — |
| 2021 | $477,750 | $339,939 | — |
| 2020 | $471,926 | $333,865 | — |
2025 property taxes (current owner): $10,122/yr
Estimated taxes if purchased at asking price: ~$12,000/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 (2025), NEFMLS.
History
Price & status history
- Oct 30, 2026Closed$799,900
- Oct 5, 2026Active Under Contract$799,900
- Sep 14, 2026Listed$799,900
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 $436/sq ft; this home is listed at $418/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 406 Third Street, St. Augustine, FL 32084Listed by COMPASS FLORIDA LLC | Jun 2026 | $707,000 | $436 | 4/2.5 | 1,621 | 71 | 0 |
| 405 Fifth Street, Vilano Beach, FL 32084Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Aug 2026 | $730,000 | $365 | 3/2 | 2,000 | 11 | 0.1 |
| 507 Third Street, St. Augustine, FL 32084Listed by PONTE VEDRA CLUB REALTY, INC. | Jun 2026 | $2,300,000 | $1,125 | 3/2 | 2,044 | 145 | 0.1 |
| 129 S Beach Drive, St. Augustine, FL 32084Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $590,000 | $324 | 3/2 | 1,822 | 60 | 0.5 |
| 302 12th Street, St. Augustine, FL 32084Listed by SUNCOAST PROPERTY MANAGEMENT LLC | Jun 2026 | $806,000 | $496 | 4/3 | 1,624 | 115 | 0.5 |
| 404 Fourteenth Street, St. Augustine, FL 32084Listed by THE NEWCOMER GROUP | Sep 2026 | $712,500 | $406 | 3/2.5 | 1,753 | 134 | 0.6 |
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: COMPASS FLORIDA LLC
Sold by: COMPASS FLORIDA LLC (buyer's brokerage)
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines