This home is in St. Augustine.
$499,0003 bd · 2 ba · 1,412 sq ft
Active·46 days on market
5331 4th Street
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
The best of island life from Windswept Acres: a quiet, established neighborhood with authentic Florida character, Intracoastal water access, a county park and boat ramp, and the beach within walking distance—all with NO HOA. This well-maintained 3-bedroom, 2-bath home offers comfortable living space with concrete-block construction, an elevated foundation with no known history of flooding, and a solid metal roof. Additional features include a two-car garage with epoxy flooring, screened porch, and a spacious fenced backyard, with plenty of surrounding coastal nature areas to enjoy. The location offers something increasingly difficult to find: a less developed, quiet and peaceful residential setting with easy access to both the beach and Intracoastal. Walk or bike to the ocean, launch a boat or kayak nearby, or simply enjoy an established coastal neighborhood with no HOA restrictions. A comfortable, solid-built home in a location that captures laid-back St. Augustine lifestyle
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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: Metal — year not disclosed (home built 1997)
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: ~1,790 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
Redick Lnabout 0.4 mi
Closest park or preserve
Moses Creek Conservation Areaabout 3 mi · 7.6 mi of trails
Closest public boat ramp
Palmetto Road Public Boat Rampabout 0.4 mi · Matanzas River
Closest kayak & paddleboard launch
Coastal Drive Kayak Beachabout 2 mi
Closest youth league fields
Frank Butler Beachfront Park Eastabout 0.9 mi · Soccer
Closest grocery store
Winn-Dixieabout 2 mi · 3905 A1A South, St 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): $5,684/yr
Estimated taxes if purchased at asking price: ~$8,000/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
- Oct 26, 2026Price change$499,000−$20,000
- Oct 10, 2026Price change$519,000−$10,000
- Sep 24, 2026Listed$529,000
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 $397/sq ft; this home is listed at $353/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5367 5th Street, St. Augustine, FL 32080Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2026 | $455,000 | $303 | 3/2 | 1,504 | 1 | 0.1 |
| 5324 2nd Street, St. Augustine, FL 32080Listed by ENGEL & VOLKERS ST AUGUSTINE | May 2026 | $589,000 | $393 | 3/2 | 1,500 | 16 | 0.2 |
| 5448 3rd Street, St. Augustine, FL 32080Listed by LIGHTHOUSE REALTY ASSOCIATES | Sep 2026 | $495,000 | $330 | 3/2 | 1,502 | 5 | 0.3 |
| 5467 1st Street, St. Augustine, FL 32080Listed by LIGHTHOUSE REALTY ASSOCIATES | Jun 2026 | $468,000 | $397 | 3/2 | 1,180 | 86 | 0.3 |
| 5401 Pelican Way, St. Augustine, FL 32080Listed by COMPASS FLORIDA LLC | Oct 2026 | $1,100,000 | $651 | 3/3 | 1,691 | 2 | 0.4 |
| 40 E Magnolia Avenue, St. Augustine, FL 32080Listed by THE NEWCOMER GROUP | Aug 2026 | $1,067,500 | $585 | 4/3 | 1,824 | 113 | 0.5 |
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: HOME SOLD REALTY LLC
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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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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
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