This home is in St. Augustine — a home near St. Augustine High School.
$498,000Sold2 bd · 2 ba · 1,176 sq ft
Sold·Closed Nov 9, 2026·23 days on market·Recent sales in St. Augustine
22 Bernard Street
St. Augustine, FL 32084
About this home
St. Augustine
Welcome to this charming one-story concrete block cottage, ideally situated on a quiet street just a short walk from the heart of historic St. Augustine. Set back from the road, this inviting home offers a peaceful setting with a fenced backyard, screened-in porch, and private patio--perfect for relaxing, dining outdoors, or grilling while enjoying the beautiful Florida sunshine. Recent upgrades include a new roof, new HVAC and hot water heater. The open-concept floor plan is enhanced by soaring ceilings in the living and dining areas, creating an exceptional sense of space and openness. The home features 2 bedrooms and 2 full bathrooms, including a primary bath with a a walk-in shower and a second bath with a tub/shower combination. The kitchen offers ample cabinet and granite counter and is equipped with a range, microwave, refrigerator, dishwasher, and ice maker. A raised breakfast bar with seating separates the kitchen from the dining area and provides a natural gathering spot.
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.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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 2011)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,700 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.
As 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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
Vilano Beach oceanfrontabout 2 mi · 37 parking spaces
Closest park or preserve
Anastasia State Parkabout 3 mi · 0.7 mi of trails
Closest public boat ramp
Vilano Public Boat Rampabout 0.8 mi · Tolomato River / St. Augustine Inlet
Closest kayak & paddleboard launch
Vilano Causeway Primitive Accessabout 0.6 mi · Hospital Creek
Closest youth league fields
Ketterlinus Gym Community Centerabout 0.4 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $10,820/yr
Estimated taxes if purchased at asking price: ~$8,000/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
- Nov 9, 2026Closed$519,000
- Oct 9, 2026Pending$519,000
- Oct 1, 2026Price change$519,000−$30,000
- Sep 16, 2026Listed$549,000
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 $452/sq ft; this home is listed at $423/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 33 Cincinnati Avenue, St. Augustine, FL 32084Listed by ST AUGUSTINE REALTY | Oct 2026 | $590,000 | $419 | 4/2 | 1,408 | 253 | 0.1 |
| 54 Grove Avenue, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Sep 2026 | $479,000 | $555 | 2/1.5 | 863 | 172 | 0.2 |
| 17 Ballard Avenue, St. Augustine, FL 32084Listed by RE/MAX BLUE COAST | Jul 2026 | $390,000 | $360 | 3/1 | 1,082 | 1 | 0.2 |
| 42 Rohde Avenue, St. Augustine, FL 32084Listed by THE NEWCOMER GROUP | Jun 2026 | $675,000 | $452 | 3/2 | 1,494 | 14 | 0.2 |
| 28 Joiner Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Aug 2026 | $655,000 | $475 | 3/2 | 1,378 | 3 | 0.4 |
| 6 Douglas Avenue, St. Augustine, FL 32084Listed by WATSON REALTY CORP | Jun 2026 | $425,000 | $360 | 3/2 | 1,181 | 4 | 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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ENDLESS SUMMER REALTY
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 Nov 9, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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