This home is in St. Augustine.
Active·Listed today
240 Cervantes Avenue
St. Augustine, FL 32084
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
Welcome to 240 Cervantes Ave! 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.
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 — 2024 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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.
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
2025 property taxes (current owner): $3,993/yr
Estimated taxes if purchased at asking price: ~$6,300/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 30, 2026Listed$395,000
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.
Keep looking
More homes in Santa Rosa
For Sale344 Juanita AvenueSt. Augustine, FL 32084
4 bd · 2 ba · 1,211 sq ft
$379,000Est. $2,017/moTurn key home awaits you! Built in 2025, this 4-bedroom, 2-bath mid-century modern home packs 1,200 sq. ft. of smart…
Listing Office: bradford real estate network llc
For Sale887 E Aiken StreetSt. Augustine, FL 32084
3 bd · 2 ba · 1,171 sq ft
$294,900Est. $1,570/moWelcome to 887 E. Aiken St.! This soon to be completed 3-bedroom, 2-bathroom home offers 1,171 sq. ft. of thoughtfully…
Listing Office: ponte vedra club realty, inc.
For RentLease
394 Fortuna Avenue ASt. Augustine, FL 32084
2 bd · 1 ba · 1,350 sq ft
$1,550/moCharming TWO-Bedrooms, One-Bathroom Apartment for Rent! This delightful unit is perfectly located near a variety of…
Listing Office: florida homes realty & mtg llc
Keep looking
Similar homes in St. Augustine
Explore the area
More in St. Augustine
St. Augustine guides & reports
Your Local Realtor
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
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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines