This home is in St. Augustine.
Active·Listed today
1685 Santander Street
St. Augustine, FL 32080
About this home
St. Augustine
Meticulously maintained and thoughtfully updated, this 2,095 sq-ft Key West style home with beach access has a 1st floor studio apartment, and a bedroom and bathroom on the 2nd and 3rd floors. Large windows and 3 decks embrace nature's peaceful views. Tucked away in one of St. Augustine's best-kept secrets, this charming home is nestled along the protected edge of ANASTASIA STATE PARK. Framed by a canopy of majestic oaks that lines the entire street, this peaceful setting offers a rare combination of privacy and natural beauty. Residents enjoy private access to Anastasia State Park, making it just a short stroll to one of Florida's most pristine, undeveloped beaches. Its LARGE WINDOWS highlighting the tranquil views of the surrounding trees and soaring VAULTED CEILINGS allow natural light to fill each room, creating a bright, inviting atmosphere throughout.
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.
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 1989)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,484 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $502,354 | $163,361 | — |
| 2025 | $74,880 | $74,880 | — |
| 2024 | $473,847 | $152,560 | — |
| 2024 | $74,880 | $74,880 | — |
| 2023 | $491,833 | $141,726 | — |
| 2023 | $57,658 | $31,427 | — |
| 2022 | $411,708 | $136,143 | — |
| 2022 | $48,787 | $28,570 | — |
| 2021 | $326,005 | $126,749 | — |
| 2021 | $35,482 | $25,973 | — |
| 2020 | $256,606 | $119,812 | — |
| 2020 | $35,482 | $23,612 | — |
2025 property taxes (current owner): $2,707/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 (2025), NEFMLS.
History
Price & status history
- Sep 28, 2026Listed$797,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
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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Northeast Florida living
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