This home is in Surfwind Estates, St. Augustine.
Active Under Contract·Listed today·Surfwind Estates
208 Trade Wind Lane
St. Augustine, FL 32080
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About this home
Surfwind Estates
Welcome to 208 Trade Wind, a completely renovated coastal retreat offering over $80K in recent upgrades—featuring a new roof, repiping, NO HOA, and coveted flood zone X designation. Straight out of a magazine, this turnkey beach cottage shines with luxury vinyl plank flooring throughout, custom shiplap accents, smooth ceilings, and designer lighting. The chef's kitchen boasts KraftMaid soft-close cabinetry, solid-surface counters, and stainless steel appliances. Both spacious bedrooms feature private en-suite baths, complemented by two versatile flex spaces (currently a dining room and home office) easily adaptable as a third bedroom or guest suite. Step out to the expansive screened lanai overlooking a private, fully fenced backyard with mature landscaping, paver walkways, and a large storage shed. Located just moments from the beach and local dining, this coastal gem is ideal as a primary residence, vacation haven, or high-potential short-term rental.
Next steps in Surfwind Estates
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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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: material not specified — year not disclosed (home built 1978)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,806 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.
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 access
Dondanville Road ramp5 min drive
Closest park or preserve
Moses Creek Conservation Area7 min drive · 7.6 mi of trails
Closest public boat ramp
Palmetto Road Public Boat Rampabout 1 mi · Matanzas River
Closest kayak & paddleboard launch
Moultrie Bluffs – Lewis Point Park – Paddlecraft Accessabout 3 mi · Moultrie Creek
Closest youth league fields
Frank Butler Beachfront Park East4 min drive · Soccer
Closest grocery store
Winn-Dixie5 min drive · 3905 A1A South, 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 |
|---|---|---|---|
| 2025 | $361,137 | $153,908 | — |
| 2024 | $333,894 | $148,863 | — |
| 2023 | $336,442 | $143,071 | — |
| 2022 | $311,913 | $137,448 | — |
| 2021 | $218,204 | $131,988 | — |
| 2020 | $194,637 | $129,475 | — |
2025 property taxes (current owner): $2,577/yr
Estimated taxes if purchased at asking price: ~$7,300/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 (2025), NEFMLS.
History
Price & status history
- Oct 26, 2026Listed$459,000
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 $425/sq ft; this home is listed at $380/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 256 Trade Wind Lane, St. Augustine, FL 32080Listed by FLORIDA CONCIERGE REAL ESTATE | May 2026 | $405,000 | $286 | 3/2 | 1,418 | 9 | 0.1 |
| 1704 Sea Fair Drive, St. Augustine Beach, FL 32080Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Sep 2026 | $685,000 | $551 | 3/3 | 1,243 | 14 | 0.3 |
| 1715 Sea Fair Drive, St. Augustine, FL 32080Listed by THE NEWCOMER GROUP | Jun 2026 | $647,500 | $536 | 3/2 | 1,207 | 5 | 0.3 |
| 17 Fountain Of Youth Boulevard A, St. Augustine, FL 32080Listed by REACH REALTY LLC | Jun 2026 | $271,500 | $294 | 2/2 | 923 | 276 | 0.4 |
| 300 Boulevard Des Pins, St. Augustine, FL 32080Listed by NON MLS (realMLS) | Jun 2026 | $605,000 | $425 | 3/2 | 1,424 | 69 | 0.6 |
| 5324 2nd Street, St. Augustine, FL 32080Listed by ENGEL & VOLKERS ST AUGUSTINE | May 2026 | $589,000 | $393 | 3/2 | 1,500 | 16 | 0.9 |
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
School Information
Community Information
Amenities
Interior
Additional Information
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 Surfwind Estates
Surfwind Estates is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32080.
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines