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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 Shores, St. Augustine.

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Active

Active·9 days on market·St Augustine Shores

167 Toledo Street

St. Augustine, FL 32086

$191,000$173/sqftEst. $1,058/moMLS# 2167054
3
Beds
1
Baths
1,104
Sq Ft
1975
Built
—
Garage
No
Pool

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

FEMA Zone XHOA $29/mo7,405 sqft lotSingle Family Residence1 story

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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) 709-7917 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 to the popular St. Augustine Shores community, where this charming cottage is ready for your personal touch. Full of potential and character, this fixer-upper is waiting for its next chapter. The home features an open-concept kitchen, two comfortable bedrooms, and a full bathroom, all thoughtfully arranged across approximately 1,104 square feet of living space. The spacious carport has been transformed into a welcoming patio and gathering area, creating the perfect setting for entertaining family and friends. Residents of St. Augustine Shores enjoy an array of community amenities, including a fishing pier, clubhouse, swimming pool, scenic walking paths, RV and boat storage, and much more. Whether you're looking for a primary residence, investment opportunity, or weekend retreat, this property offers endless possibilities in a sought-after neighborhood. Great for an FHA 203k rehab purchase loan. Lender details are available.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,058
Property taxesest. at asking price, St. Johns County$254
HOAbilled monthly$29
Estimated total, before insurance$1,341/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,220/yr · $185/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

$191,000
$38,200
Loan Term
Monthly Payment
$1,058
Principal & Interest: $1,058
Property taxes (est.): $254
Insurance (est.): $127
Estimated Total Monthly
$1,439
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 1975)

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: ~1,706 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 October 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,220/yr

Estimated taxes if purchased at asking price: ~$3,000/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 7, 2026Active$191,000
  • Oct 5, 2026Active Under Contract$191,000
  • Oct 2, 2026Active$191,000
  • Sep 27, 2026Listed$191,000

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 $254/sq ft; this home is listed at $173/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
133 Andora Street, St. Augustine, FL 32086Listed by HOMEZU.COM OF FLORIDAJun 2026$188,000$1723/21,09670.2
101 Laurel Wood Way Way 104, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEJun 2026$265,000$2082/21,27200.3
124 Captains Pointe Circle, St. Augustine, FL 32086Listed by EXP REALTY LLCFeb 2026$290,000$2543/21,1401430.3
158 Deltona Boulevard, St. Augustine, FL 32086Listed by OPENDOOR BROKERAGE, LLC.Apr 2025$260,000$2043/21,275820.4
44 Moonbeam Road, St. Augustine, FL 32086Listed by NON MLS (realMLS)Aug 2026$365,860$2733/21,34200.6
72 Deltona Boulevard, St. Augustine, FL 32086Listed by MAXREV, LLCMay 2026$265,000$2612/11,014380.6

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.

Features

Price$191,000
Price / Sq Ft$173
Bedrooms3
Bathrooms1.00
Full Baths1
Square Footage1,104
Acres0.17 acres
Year Built1975
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionFixer
StatusActive
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

Community Information

Address167 Toledo Street, 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
Parcel Number2701330030
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Jogging Path, Park, RV/Boat Storage
Community FeaturesSidewalks
UtilitiesElectricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingCarport, Off Street

Interior

AppliancesElectric Range, Electric Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

RoofShingle
Other StructuresShed(s)
Road FrontageCity Street

Additional Information

Date ListedOctober 2, 2026
Days on Market8
HOA Fees$29 / Monthly
HOA FrequencyMonthly
HOA NameSt. Augustine Shores
Tax Amount$2,219.91
Tax Year2025
Listing TermsCash, Conventional, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SET YOUR ANCHOR REALTY

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.

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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.

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