This home is in St. Augustine.
$369,0003 bd · 2 ba · 1,443 sq ft
Active·46 days on market
240 Cervantes Avenue
St. Augustine, FL 32084
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
St. Augustine
Welcome to 240 Cervantes Ave! NO HOA & NO CDD! This 3-bedroom, 2-bath home has a new roof 2024. As you enter through the front door you're greeted with a desirable floorplan and 1,443sqft of living space with fresh interior paint. The spacious living room is the center point of the home with new vinyl plank flooring throughout along with the bedrooms, and tile in the remainder of the home. The guest bathroom has a tub/shower combo between the two guest bedrooms. The primary bedroom has a walk-in closet and ensuite bathroom with a walk-in shower. There's ample counterspace with a raised bar on the peninsula of the kitchen and formal dining room attached with updated light fixtures in both rooms. Just off the living room through the sliding glass is the fully fenced backyard. A newly added patio awning covers the back porch along with an 8x8 shed with flooring. You're just minutes from downtown St. Augustine and a short bike ride away from Pomar Park.
Next steps in St. Augustine
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.
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — 2024 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Septic system (public record) · Public water (record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,792 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Nease Beachfront Parkabout 3 mi · 14 parking spaces
Closest park or preserve
Twelve Mile Swamp Conservation Areaabout 3 mi · 2.2 mi of trails
Closest public boat ramp
Vilano Public Boat Rampabout 2 mi · Tolomato River / St. Augustine Inlet
Closest kayak & paddleboard launch
San Sebastian River at Highway 16 Roadside Primitive Accessabout 0.5 mi · San Sebastian River
Closest youth league fields
Ketterlinus Gym Community Centerabout 1 mi · Basketball
Closest grocery store
Winn-Dixieabout 1 mi · 3551 N Ponce De Leon Blvd, St Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $348,066 | $266,266 | — |
2025 property taxes (current owner): $3,993/yr
Estimated taxes if purchased at asking price: ~$5,800/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 1,526 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 (2026), NEFMLS.
History
Price & status history
- Nov 9, 2026Price change$369,000−$900
- Oct 27, 2026Price change$369,900−$10,100
- Oct 12, 2026Price change$380,000−$15,000
- Sep 30, 2026Listed$395,000
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 $250/sq ft; this home is listed at $256/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 358 Tirana Avenue, St. Augustine, FL 32084Listed by PONTE VEDRA CLUB REALTY, INC. | Oct 2026 | $350,000 | $280 | 3/2 | 1,251 | 0 | 0.2 |
| 1463 Spring Street, St. Augustine, FL 32084Listed by CENTURY 21 LIGHTHOUSE REALTY | Sep 2026 | $240,000 | $229 | 3/1 | 1,050 | 0 | 0.2 |
| 244 Ravenswood Drive, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jul 2026 | $310,000 | $285 | 2/2 | 1,088 | 58 | 0.3 |
| 99 Evermore Court, St. Augustine, FL 32084Listed by WE SELL SUNSHINE | Jul 2026 | $305,000 | $250 | 3/2 | 1,219 | 8 | 0.3 |
| 163 Silver Birch Street, St. Augustine, FL 32084Listed by WATSON REALTY CORP | Oct 2026 | $331,500 | $186 | 4/2 | 1,783 | 209 | 0.4 |
| 407 Pomont Avenue, St. Augustine, FL 32084Listed by LIGHTHOUSE REALTY ASSOCIATES | Aug 2026 | $350,000 | $206 | 3/2 | 1,703 | 48 | 0.4 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
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
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 home20+ years · 500+ closings · NE Florida
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