This home is in Island Cottages, St. Augustine — a home near Pedro Menendez High School.
Active·2 days on market·Island Cottages
117 Island Cottage Way
St. Augustine, FL 32080
All Island Cottages homes for sale →Search Island Cottages on the map
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About this home
Island Cottages
Welcome to this beautiful concrete block home with a metal roof in a unique gated community of just 23 residences, featuring a unique design with attached garages accessed from a private rear alley. This spacious home offers 4 bedrooms and 2.5 baths, including a first-floor primary suite, plus an office, formal dining and versatile flex room. The open, bright floor plan is the community's largest and features timeless upgrades throughout, including porcelain tile, granite countertops, Kohler fixtures, a Jacuzzi tub in primary en suite, Thermador appliances, central vacuum, tankless water heater, dual HVAC systems and whole-home surround sound system with speakers in every room, including the garage. Relax on the front or back porch, private balcony or enjoy the community pool. Ideally located near the beach and all that historic St. Augustine has to offer! See video attached to fully appreciate.
Next steps in Island Cottages
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: Metal — year not disclosed (home built 2006)
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: ~1,770 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 homeAs 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $635,918 | $402,409 | — |
| 2024 | $561,917 | $390,361 | — |
| 2023 | $551,449 | $377,535 | — |
| 2022 | $594,294 | $365,083 | — |
| 2021 | $402,993 | $352,993 | — |
| 2020 | $392,393 | $392,393 | — |
2025 property taxes (current owner): $5,938/yr
Estimated taxes if purchased at asking price: ~$13,600/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 (2025), NEFMLS.
History
Price & status history
- Oct 1, 2026Listed$849,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HOUWZER, INC.
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 Island Cottages
Island Cottages is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32080.
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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
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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