340 Charlotte Street

• • 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).

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.

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.

• Sep 24, 2026Listed$1,150,000

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

• 

  For Sale

  Income

  251 Charlotte Street

  St. Augustine, FL 32084

  4 bd · 2 ba · 1,492 sq ft

  $949,000Est. $5,051/mo

  Rare downtown St. Augustine duplex — fully furnished, fully restored, and full of opportunity. Just one block from the…

  Listing Office: florida homes realty & mtg llc

• 

  For Sale

  348 Charlotte Street

  St. Augustine, FL 32084

  3 bd · 3 ba · 2,479 sq ft

  $899,000Est. $4,785/mo

  Step into the timeless charm of historic St. Augustine with this beautifully updated 3-bedroom, 3-bathroom home located…

  Listing Office: st augustine realty

• 

  Under Contract

  31 Sanford Street

  St. Augustine, FL 32084

  7 bd · 5 ba · 3,209 sq ft

  $889,000Est. $4,732/mo

  A rare opportunity in the heart of historic Lincolnville, this exceptionally well-maintained property offers seven…

  Listing Office: keller williams realty atlantic partners st. augustine

• 

  Under Contract

  249 Charlotte Street

  St. Augustine, FL 32084

  3 bd · 2 ba · 1,240 sq ft

  $849,900Est. $4,524/mo

  Discover the charm and character of this historic 3-bedroom, 2-bath home, set on a generous lot in a secluded…

  Listing Office: redfin corporation

• 

  For Sale

  1006 Pantano Drive

  St. Augustine, FL 32095

  4 bd · 3.5 ba · 2,987 sq ft

  $1,049,000Est. $5,583/mo

  Listing Office: jacksonville tbi realty, llc

  in Madeira, St. Johns County
• 

  For Sale

  95 Irvington Court 5

  St. Augustine, FL 32092

  5 bd · 4.5 ba · 4,518 sq ft

  $1,144,000Est. $6,089/mo

  Listing Office: jacksonville tbi realty, llc

  in Silverleaf, St. Johns County

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