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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 — a home near St. Augustine High School.

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Active

Active·Listed today

855 S Holmes Boulevard

St. Augustine, FL 32084

$445,000$280/sqftEst. $2,376/moMLS# 2166384
3
Beds
2
Baths
1,589
Sq Ft
1973
Built
—
Garage
No
Pool
No HOA5.22 acresWaterfrontSingle Family Residence1 story

About this home

St. Augustine

Live in your own private country hideaway while being just minutes from town, St. Augustine Historic District, and the beaches! This updated 3-bed, 2-full-bath home with a split floor plan sits on 5+ acres. The driveway leads you past the wooded pond, which provides privacy from the road; the front yard has a quintessential moss-hung oak tree for shade and an Old Florida feel. Out back, the screened patio overlooks the long stretch of property, which includes a large shed and wetland vegetation at the back. Inside, the home features luxury vinyl plank flooring throughout, upgraded lighting, granite countertops and a beautifully tiled wood-burning fireplace. The home was fully remodeled just a few years ago. Roof, Windows, HVAC, Hot Water Heater, cabinets, appliances, electrical and plumbing were all included in the renovation. The property is zoned "Open Rural" allowing horses, agricultural and many other uses, making this an increasingly rare lifestyle opportunity.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$2,376
Property taxesest. at asking price, St. Johns County$592
Estimated total, before insurance$2,968/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,252/yr · $354/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

$445,000
$89,000
Loan Term
Monthly Payment
$2,376
Principal & Interest: $2,376
Property taxes (est.): $592
Insurance (est.): $297
Estimated Total Monthly
$3,264
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1973)

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

Solar potential: ~1,501 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

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): $4,252/yr

Estimated taxes if purchased at asking price: ~$7,100/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 24, 2026Listed$445,000

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

Features

Price$445,000
Price / Sq Ft$280
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,589
Total Structure Area1,699 sq ft
Acres5.22 acres
Year Built1973
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
Has PoolNo
Is WaterfrontYes
Direction FacesNortheast

School Information

ElementaryWebster
MiddleMurray

Community Information

Address855 S Holmes Boulevard, St. Augustine, FL 32084
Area337-Old Moultrie Rd/Wildwood
SubdivisionHolmes Subd
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size227,383.2 sq ft
Parcel Number0963900000

Amenities

UtilitiesElectricity Available, Electricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOther, Off Street, RV Access/Parking
ViewPond
Waterfront TypePond

Interior

AppliancesWater Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringVinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchPatio, Porch, Screened
FencingOther, Privacy
RoofShingle
Other StructuresShed(s)
Road SurfacePaved
Road FrontageCounty Road

Additional Information

Date ListedSeptember 24, 2026
Days on Market1
Tax Amount$4,251.68
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP · MarciaV@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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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