This home is in St. Augustine Beach.
Active·45 days on market
5395 5th Street
St. Augustine Beach, 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 Beach
Coastal Oasis with Hot Tub, Dual Patios, & Fire Pit, Walk to Beach & Intracoastal! Welcome to your ultimate St. Augustine getaway at 5395 5th Street! Perfectly situated between the Atlantic ocean and the serene Intracoastal, this stunning home is designed for relaxation, entertainment, and endless sun. Enjoy your morning coffee on the front screened patio and kick back in the evenings on the rear screened patio,totally protected and stress-free. The outdoor living space is a true highlight: soak in the private hot tub, dine alfresco under the stars, or gather around the fire pit for cozy nights. With no HOA restrictions, you get maximum flexibility and total privacy, all just a short stroll from water on both sides. Live the coastal dream or invest in a premier coastal sanctuary!
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 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: material not specified — year not disclosed (home built 1998)
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: ~1,823 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
North Of Matanzas Aveabout 0.4 mi
Closest park or preserve
Moses Creek Conservation Areaabout 3 mi · 7.6 mi of trails
Closest public boat ramp
Palmetto Road Public Boat Rampabout 0.2 mi · Matanzas River
Closest kayak & paddleboard launch
Coastal Drive Kayak Beachabout 2 mi
Closest youth league fields
Frank Butler Beachfront Park Eastabout 0.8 mi · Soccer
Closest grocery store
Winn-Dixieabout 2 mi · 3905 A1A South, 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $8,027/yr
Estimated taxes if purchased at asking price: ~$9,800/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 23, 2026Price change$615,000−$59,900
- Oct 5, 2026Price change$674,900−$20,100
- Sep 14, 2026Listed$695,000
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 $356/sq ft; this home is listed at $334/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5398 Soundview Avenue, St. Augustine, FL 32080Listed by LIGHTHOUSE REALTY ASSOCIATES | Oct 2026 | $703,500 | $356 | 4/2 | 1,975 | 155 | 0 |
| 5367 5th Street, St. Augustine, FL 32080Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2026 | $455,000 | $303 | 3/2 | 1,504 | 1 | 0.1 |
| 5448 3rd Street, St. Augustine, FL 32080Listed by LIGHTHOUSE REALTY ASSOCIATES | Sep 2026 | $495,000 | $330 | 3/2 | 1,502 | 5 | 0.2 |
| 5324 2nd Street, St. Augustine, FL 32080Listed by ENGEL & VOLKERS ST AUGUSTINE | May 2026 | $589,000 | $393 | 3/2 | 1,500 | 16 | 0.2 |
| 5401 Pelican Way, St. Augustine, FL 32080Listed by COMPASS FLORIDA LLC | Oct 2026 | $1,100,000 | $651 | 3/3 | 1,691 | 2 | 0.4 |
| 300 Riverside Boulevard, St. Augustine, FL 32080Listed by DJ & LINDSEY REAL ESTATE | Jun 2026 | $750,000 | $338 | 3/2.5 | 2,220 | 184 | 0.4 |
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
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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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines