This home is in St. Augustine — a waterfront home in St. Johns County.
$670,0002 bd · 2 ba · 1,480 sq ft
Active·49 days on market
3506 Harbor Drive
St. Augustine, FL 32084
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About this home
St. Augustine
Live the St. Augustine boating lifestyle at 3506 Harbor Drive! This beautifully updated 2-bedroom, 2-bath second-floor condo offers 1,480 square feet in Harbor Point at Comanchee Island, with gorgeous marina and pool views from the private balcony. The spacious living area features cathedral ceilings, wood and tile flooring, and a wood-burning fireplace. The primary suite offers a large walk-in closet, walk-in shower, and double-sink vanity. Enjoy the shaded balcony with an awning and outdoor sink, plus the convenience of a detached one-car garage directly across the street. For boating enthusiasts, the marina setting is hard to beat! Boat slips may be available for rent, offering convenient access to the Intracoastal Waterway, St. Augustine Inlet, and Atlantic Ocean. The community also offers a pool and dock where fishing is permitted. All of this just minutes from historic downtown St. Augustine and Vilano Beach, with dining, shopping, and waterfront activities nearby.
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 X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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: Tile — year not disclosed (home built 1986)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)
County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,783 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, 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
Nease Beachfront Parkabout 1.0 mi · 14 parking spaces
Closest park or preserve
Anastasia State Parkabout 3 mi · 0.7 mi of trails
Closest public boat ramp
Vilano Public Boat Rampabout 0.5 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 2 mi · Basketball
Closest grocery store
Publixabout 0.9 mi · 55 Ava Way, Saint 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): $6,584/yr
Estimated taxes if purchased at asking price: ~$10,700/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, NEFMLS.
History
Price & status history
- Nov 7, 2026Price change$670,000−$15,000
- Sep 19, 2026Listed$685,000
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 $276/sq ft; this home is listed at $453/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3327 Harbor Drive, St. Augustine, FL 32084Listed by COMPLETE HOME REALTY, INC. | Mar 2026 | $660,000 | $389 | 2/2 | 1,695 | 0 | 0 |
| 3115 Harbor Drive 115, St. Augustine, FL 32084Listed by RE/MAX UNLIMITED | Aug 2026 | $480,000 | $276 | 2/2 | 1,737 | 113 | 0.1 |
| 3109 Harbor Drive, St. Augustine, FL 32084Listed by CRYSTAL CLEAR REALTY, LLC | Apr 2026 | $562,000 | $375 | 2/2 | 1,498 | 49 | 0.2 |
| 1080 Bella Vista Boulevard 13-122, St. Augustine, FL 32084Listed by WORTH CLARK REALTY | Jun 2026 | $270,000 | $223 | 2/2 | 1,212 | 5 | 0.8 |
| 4000 Grande Vista Boulevard 15-304, St. Augustine, FL 32084Listed by MARK SPAIN REAL ESTATE | Oct 2026 | $180,000 | $152 | 2/2 | 1,182 | 61 | 0.9 |
| 4000 Grande Vista Boulevard 15-130, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $265,000 | $206 | 2/2 | 1,284 | 28 | 0.9 |
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
Exterior
Additional Information
Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL 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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Krista Fracke
Broker Associate
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