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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Clark Addition, St. Augustine — a new construction home in St. Johns County.

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Active

Active·14 days on market·Clark Addition

863 W 6th Street

St. Augustine, FL 32084

$320,000$267/sqftEst. $1,708/moMLS# 2165158
3
Beds
2.5
Baths
1,199
Sq Ft
2026
Built
1
Garage
No
Pool

10 more homes for sale in Clark Addition →Search Clark Addition on the map

FEMA Zone XNo HOASingle Family Residence2 storiesNew construction

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Clark Addition

A promotional interest rate as low as 3.75% may be available for qualified buyers, subject to lender approval; terms apply. Welcome to this brand-new two-story home, thoughtfully designed for comfortable everyday living. The first floor features a bright, open-concept layout that connects the living area and modern kitchen, complete with quartz countertops and stainless steel appliances. A convenient half bath, dedicated laundry room, and sliding glass doors leading to the backyard make the space functional for both daily life and entertaining. Upstairs, you'll find all three bedrooms and two full bathrooms, providing privacy from the main living area. Enjoy the peace of mind that comes with a new roof, HVAC system, appliances, and finishes, without the immediate need for repairs or updates. Whether you're purchasing your first home, downsizing, or looking for an investment property, this home offers excellent possibilities.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$1,708
Property taxesest. at asking price, St. Johns County$426
Estimated total, before insurance$2,134/mo
  • • 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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$320,000
$64,000
Loan Term
Monthly Payment
$1,708
Principal & Interest: $1,708
Property taxes (est.): $426
Insurance (est.): $213
Estimated Total Monthly
$2,348
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,332 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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 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.

History

Price & status history

  • Sep 16, 2026Listed$320,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$320,000
Price / Sq Ft$267
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,199
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary, Traditional
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address863 W 6th Street, St. Augustine, FL 32084
Area337-Old Moultrie Rd/Wildwood
SubdivisionClark Addition
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Parcel Number1328500040

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Water Available, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Patio / PorchFront Porch, Rear Porch
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 17, 2026
Days on Market12
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES 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.

The neighborhood

About Clark Addition

Clark Addition is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all Clark Addition homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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