This home is in St Augustine Shores, St. Augustine.
Active·1 day on market·St Augustine Shores
398 Madruga Avenue
St. Augustine, FL 32086
About this home
St Augustine Shores
BEAUTIFULLY RENOVATED and truly MOVE-IN READY, this charming 3 bedroom, 2 bathroom home in desirable St. Augustine Shores is one you'll fall in love with the moment you walk in! Offering 1,237 SF of bright, thoughtfully updated living space, this home feels fresh, warm, and welcoming throughout. The beautifully renovated kitchen features BRAND-NEW APPLIANCES and modern finishes, while both bathrooms have been tastefully updated along with new fixtures throughout the home. Step outside to the spacious 210 SF back porch, the perfect place for morning coffee, relaxing evenings, or entertaining family and friends. Enjoy HOA amenities including a COMMUNITY POOL and FISHING AREAS, plus convenient access to shopping, dining, historic St. Augustine, and the beaches. Beautifully updated, perfectly located, and ready to enjoy! This is a home you won't want to miss! The seller is a licensed real estate agent. Listing agent is related to seller.
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.
Hurricane evacuation zone C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 1980)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,821 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $234,449 | $205,856 | — |
| 2024 | $232,639 | $187,142 | — |
| 2023 | $228,280 | $170,129 | — |
| 2022 | $210,568 | $154,663 | — |
| 2021 | $140,603 | $140,603 | — |
| 2020 | $142,065 | $134,395 | — |
2025 property taxes (current owner): $3,286/yr
Estimated taxes if purchased at asking price: ~$5,700/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
- Sep 17, 2026Listed$354,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: US REALTY HUB · katetuncer@gmail.com
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 St Augustine Shores
St Augustine Shores is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.
View all St Augustine Shores homes for sale →Keep looking
More homes in St Augustine Shores
For Sale951 Viscaya BoulevardSt. Augustine, FL 32086
3 bd · 2 ba · 1,588 sq ft
$354,999Est. $1,889/moEnjoy peaceful lakefront living in the heart of St. Augustine Shores! This well maintained 3 bedroom, 2 bath home sits…
Listing Office: iheart realty inc
For Sale702 Nieves LaneSt. Augustine, FL 32086
2 bd · 2 ba · 1,556 sq ft
$359,000Est. $1,911/moMove-in ready concrete block home on an oversized 80' x 110' lot with room for a pool! This beautifully updated home…
Listing Office: endless summer realty
Under Contract477 Sardina StreetSt. Augustine, FL 32086
2 bd · 2 ba · 1,163 sq ft
$349,900Est. $1,862/moWelcome home to 477 Sardina Street, perched high upon a large corner lot in one of St. Augustine Shores most desirable…
Listing Office: one sotheby's international realty
Pending480 Diosa CourtSt. Augustine Shores, FL 32086
3 bd · 2 ba · 1,447 sq ft
$365,000Est. $1,943/moPRICED TO SELL. $10,000 PRICE ADJUSTMENT. Welcome to this beautifully maintained family home offering three bedrooms,…
Listing Office: watson realty corp
Keep looking
Similar homes in St. Augustine
Explore the area
More in St Augustine Shores
Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines