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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 St Augustine South, St. Augustine — a home near Pedro Menendez High School.

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Active

Active·4 days on market·St Augustine South

302 Shore Drive

St. Augustine, FL 32086

$319,900$312/sqftEst. $1,694/moMLS# 2165406
2
Beds
1
Baths
1,026
Sq Ft
1967
Built
1
Garage
No
Pool
FEMA Zone XNo HOA10,454 sqft lotSingle Family Residence1 story

About this home

St Augustine South

Charming brick home in a fantastic St. Augustine location! This well-maintained 2-bedroom, 1-bath residence offers timeless appeal, beautiful wood flooring, and a spacious lot with plenty of room to enjoy the outdoors. The classic brick exterior adds character and durability, while the inviting interior provides a warm and comfortable atmosphere. The generous lot offers flexibility for outdoor entertaining, gardening, recreation, or future possibilities. Conveniently located close to shopping, dining, schools, historic St. Augustine, and area beaches, this home offers the perfect combination of comfort, location, and value. Whether you're looking for a full-time residence, investment property, or a charming Florida getaway, 302 Shore Drive is a wonderful opportunity in one of St. Augustine's highly desirable areas.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$1,694
Property taxesest. at asking price, St. Johns County$426
Estimated total, before insurance$2,120/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,608/yr · $301/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$319,900
$63,980
Loan Term
Monthly Payment
$1,694
Principal & Interest: $1,694
Property taxes (est.): $426
Insurance (est.): $213
Estimated Total Monthly
$2,333
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 1967)

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

Likely septic · Public water · St Johns County Utilities - water accounts

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,779 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 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,608/yr

Estimated taxes if purchased at asking price: ~$5,100/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

  • Sep 21, 2026Price change$319,900+$20,000
  • Sep 18, 2026Listed$299,900

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

Features

Price$319,900
Price / Sq Ft$312
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage1,026
Acres0.24 acres
Year Built1967
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryOsceola
MiddleMurray
HighPedro Menendez

Community Information

Address302 Shore Drive, St. Augustine, FL 32086
Area335-St Augustine South
SubdivisionSt Augustine South
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32086
Lot Size10,454.4 sq ft
Parcel Number2243600000
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Water Available
SewerSeptic Tank
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesEat-in Kitchen, Primary Bathroom - Tub with Shower
AppliancesElectric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringWood
# of Stories1
LevelsOne
LaundryIn Garage

Exterior

Lot DescriptionCorner Lot
Patio / PorchDeck
RoofShingle
ConstructionBrick, Frame
Other StructuresShed(s)

Additional Information

Date ListedSeptember 18, 2026
Days on Market3
Tax Amount$3,608.34
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP · tjacalone@watsonrealtycorp.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 South

St Augustine South is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.

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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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