Skip to main content
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 Shores, St. Augustine — a home near Pedro Menendez High School.

Photo 1 / 43
Active

Active·5 days on market·St Augustine Shores

115 Shores Boulevard

St. Augustine, FL 32086

$285,000$324/sqftEst. $1,521/moMLS# 2166620
2
Beds
1.5
Baths
880
Sq Ft
1976
Built
—
Garage
No
Pool

28 more homes for sale in St Augustine Shores →Search St Augustine Shores on the map

FEMA Zone XHOA $36/mo7,405 sqft lotSingle Family Residence1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

St Augustine Shores

Welcome home to this charming cottage in popular St. Augustine Shores! This 2-bedroom, 1.5-bath concrete block home sits on a spacious corner lot and offers comfortable Florida living inside and out. The recently updated kitchen features new stainless steel appliances, while both bathrooms have been tastefully updated, including a walk-in shower in the full bath. Step outside to the screened porch overlooking a fenced backyard with attractive landscaping—a peaceful spot for morning coffee, relaxing at the end of the day or simply watching the birds. Additional features include a carport, washer & dryer, and plenty of outdoor space. Enjoy all that St. Augustine Shores has to offer! Community amenities include an Intracoastal fishing dock, clubhouse, sports fields, tennis and pickleball courts, & secure RV/boat storage. Golfers will appreciate having the St. Augustine Shores Golf Club right in the neighborhood. All this with a low HOA fee!

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$1,521
Property taxesest. at asking price, St. Johns County$379
HOAbilled monthly$36
Estimated total, before insurance$1,937/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,574/yr · $215/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

$285,000
$57,000
Loan Term
Monthly Payment
$1,521
Principal & Interest: $1,521
Property taxes (est.): $379
Insurance (est.): $190
Estimated Total Monthly
$2,091
*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.

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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 1976)

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: ~1,747 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

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 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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:18 AM, sunset 7:11 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

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): $2,574/yr

Estimated taxes if purchased at asking price: ~$4,600/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 25, 2026Listed$285,000

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

Features

Price$285,000
Price / Sq Ft$324
Bedrooms2
Bathrooms1.50
Full Baths1
Half Baths1
Square Footage880
Total Structure Area1,072 sq ft
Acres0.17 acres
Year Built1976
TypeResidential
Sub-TypeSingle Family Residence
StyleCottage
Property ConditionUpdated/Remodeled
StatusActive
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo
Direction FacesNorth

School Information

Community Information

Address115 Shores Boulevard, St. Augustine, FL 32086
Area334-Moultrie/St Augustine Shores
SubdivisionSt Augustine Shores
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32086
Lot Size7,405.2 sq ft
Lot Dimensions77' x 100' MOL
Parcel Number2701200280
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Maintenance Grounds, Management - Part Time, Management- On Site, Park, Pickleball, Playground, RV/Boat Storage, Storage, Tennis Court(s)
Community FeaturesFishing
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached Carport, Off Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Primary Bathroom - Shower No Tub
AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
FireplaceNo
# of Fireplaces0
# of Stories1
LevelsOne

Exterior

Lot DescriptionCorner Lot
Patio / PorchGlass Enclosed, Porch, Rear Porch, Screened
FencingBack Yard, Wood
RoofShingle
ConstructionBlock, Concrete
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 25, 2026
Days on Market4
HOA Fees$36 / Monthly
HOA FrequencyMonthly
HOA NameVesta Property Management/St Augustine Shores Corp
Tax Amount$2,574.31
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.

The neighborhood

About St Augustine Shores

St Augustine Shores is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.

View all St Augustine Shores homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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 home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines