This home is in St. Augustine — a gated community home in St. Johns County.
$795,0003 bd · 2 ba · 1,859 sq ft
Active·48 days on market
145 Whispering Oaks Circle
St. Augustine, FL 32080
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
St. Augustine
St. Augustine Beach on Anastasia Island is a beach lover's paradise! This beautifully maintained 1,859-square-foot, single-story concrete/stucco home is nestled in the sought-after Whispering Oaks neighborhood, surrounded by lush landscaping and majestic oaks and palms. Moments from the sand, enjoy convenient beach access through Ocean Hammock Park. High and dry with a newer roof, this home features soaring ceilings, natural light, wood floors, granite countertops, breakfast bar, stainless appliances, plantation shutters, fireplaces, and a skylit bath. The spacious primary suite offers a spa-like retreat with a walk-in shower, jetted soaking tub, oversized walk-in closets, and dual vanities. Oversized two-car garage has plenty of room for vehicles and beach toys. Enjoy the private outdoor oasis with front porch, Trex deck, screened lanai, paver patio and fully fenced backyard. Amazing corner lot in Flood Zone X, HOA $700 annually. Your Anastasia Island beach oasis awaits!
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 — 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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 2001)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts
County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,688 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 access
Ocean Hammockabout 0.1 mi
Closest park or preserve
Anastasia State Parkabout 3 mi · 0.7 mi of trails
Closest public boat ramp
Moultrie Creek Boat Rampabout 3 mi · Moutrie Creek
Closest kayak & paddleboard launch
Moultrie Bluffs – Lewis Point Park – Paddlecraft Accessabout 2 mi · Moultrie Creek
Closest youth league fields
Frank Butler Beachfront Park Eastabout 3 mi · Soccer
Closest grocery store
Publixabout 0.3 mi · 1033 A1A Beach Blvd, Saint Augustine Beach
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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 6:46 AM, sunset 5:32 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,665/yr
Estimated taxes if purchased at asking price: ~$12,700/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
- Sep 22, 2026Listed$795,000
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 $325/sq ft; this home is listed at $428/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 220 Madrid Street, St. Augustine Beach, FL 32080Listed by BERKSHIRE HATHAWAY HOME SERVICES FLORIDA NETWORK | Jul 2026 | $860,000 | $450 | 3/2 | 1,913 | 16 | 0.1 |
| 175 Bay Bridge Drive, St. Augustine, FL 32080Listed by NAVY TO NAVY HOMES LLC | Oct 2026 | $441,000 | $273 | 3/2.5 | 1,613 | 62 | 0.4 |
| 325 Floridian Avenue, St. Augustine, FL 32080Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $555,000 | $308 | 4/2 | 1,800 | 4 | 0.5 |
| 229 N Ocean Trace Road, St. Augustine, FL 32080Listed by THE NEWCOMER GROUP | Jul 2026 | $620,000 | $388 | 3/2 | 1,596 | 15 | 0.7 |
| 401 Ocean Breeze Lane, St. Augustine, FL 32080Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jul 2026 | $660,000 | $325 | 3/2 | 2,030 | 59 | 0.8 |
| 383 High Tide Drive, St. Augustine, FL 32080Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Nov 2026 | $728,000 | $314 | 4/2.5 | 2,318 | 31 | 1 |
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: 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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Is this home priced right?
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