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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 Sea Colony, St. Augustine — a home near St. Augustine High School.

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Active

Active·1 day on market·Sea Colony

308 S Forest Dune Drive

St. Augustine, FL 32080

$2,600,000$557/sqftEst. $14,288/mo mortgageMLS# 2170570
5
Beds
5.5
Baths
4,671
Sq Ft
2010
Built
2
Garage
Yes
Pool

2 more homes for sale in Sea Colony →Search Sea Colony on the map

FEMA Zone XHOA $550/mo10,454 sqft lotSingle Family Residence2 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Sea Colony

Exceptional curb appeal sets the stage for this spacious Sea Colony home, where beautifully updated interiors and a gorgeous backyard oasis capture the best of St. Augustine Beach living. A sparkling pool and expansive patio create an inviting setting for cookouts, gatherings, and relaxing after a day at the beach. The thoughtfully designed layout features a first-floor primary suite and office, with elevator access to three upstairs ensuite bedrooms, including one with a private balcony. A studio apartment offers flexibility for extended family, guests, or an au pair. Extensive updates and upgrades completed in recent years will impress even the most discerning buyers. Stroll to the sand along one of the community's private beach boardwalks, gather at the community pavilion, or enjoy nearby coffee shops, shopping, and restaurants—all just a short walk away. Space to gather, room to retreat, and the beach within easy reach!

Next steps in Sea Colony

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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 · 7.32% · 30yr$14,288
Property taxesest. at asking price, St. Johns County$3,460
HOAbilled semi-annually$550
Estimated total, before insurance$18,298/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$28,459/yr · $2,372/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

$2,600,000
$520,000
Loan Term
Monthly Payment
$14,288
Principal & Interest: $14,288
Property taxes (est.): $3,460
Insurance (est.): $1,733
Estimated Total Monthly
$19,481
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Metal — year not disclosed (home built 2010)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,796 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

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

2025 property taxes (current owner): $28,459/yr

Estimated taxes if purchased at asking price: ~$41,500/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 23, 2026Listed$2,600,000

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 $497/sq ft; this home is listed at $557/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
688 Ocean Palm Way, St. Augustine Beach, FL 32080Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$4,050,000$9554/5.54,239530.1
924 Ocean Palm Way, St. Augustine, FL 32080Listed by DOUGLAS ELLIMAN FLORIDAApr 2026$2,770,000$4974/65,579210.1
416 Ocean Grove Circle Circle, St. Augustine, FL 32080Listed by THE NEWCOMER GROUPJan 2026$1,615,000$4795/3.53,369650.1
773 Ocean Palm Way, St. Augustine, FL 32080Listed by ENGEL & VOLKERS ST AUGUSTINEDec 2025$1,700,000$4945/4.53,4381130.1
685 Ocean Palm Way, St. Augustine, FL 32080Listed by ENGEL & VOLKERS ST AUGUSTINEMay 2025$1,840,000$4485/5.54,1033440.1
892 Ocean Palm Way, St. Augustine, FL 32080Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEMay 2026$2,690,000$6804/3.53,95400.2

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$2,600,000
Price / Sq Ft$557
Bedrooms5
Bathrooms5.50
Full Baths5
Half Baths1
Square Footage4,671
Acres0.24 acres
Year Built2010
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Salt Water
Is WaterfrontNo
Gated CommunityYes

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryR. B. Hunt
Reported middleSebastian
Reported highSt. Augustine
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address308 S Forest Dune Drive, St. Augustine, FL 32080
Area331-St Augustine Beach
SubdivisionSea Colony
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32080
Lot Size10,454.4 sq ft
Lot Dimensions124 x 95
Parcel Number1741914020
ZoningPUD

Amenities

AmenitiesPool, Beach Access, Clubhouse, Maintenance Grounds, Management - Full Time, Management - Off Site, Security
Community FeaturesGated
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Elevator, Entrance Foyer, Guest Suite, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Oven, Ice Maker, Microwave, Refrigerator, Washer, Wine Cooler
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Sink, Washer Hookup
Security24 Hour Security, Security Gate

Exterior

Exterior FeaturesBalcony
Patio / PorchCovered, Front Porch, Rear Porch
FencingBack Yard, Wrought Iron
RoofMetal
ConstructionFiber Cement
Road SurfacePaved
Road FrontagePrivate Road

Additional Information

Date ListedOctober 23, 2026
Days on Market1
HOA Fees$3,300 / Semi-Annually
HOA FrequencySemi-Annually
HOA NameSea Colony
HOA Fee IncludesMaintenance Grounds
Tax Amount$28,458.84
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER PREMIER PROPERTIES

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 Sea Colony

Sea Colony is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32080.

View all Sea Colony 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

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