This home is in St. Augustine — a waterfront home in St. Johns County.
Active·Listed today
13545 County Road 13 N
St. Augustine, FL 32092
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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
Come home to peaceful mornings on the St. Johns River and sunsets best enjoyed from your own porch. Nestled along a private cove in the historic Tocoi area, this beautifully maintained 3-bedroom, 2.5-bath home offers approximately 120 feet of direct river frontage in a setting framed by live oaks & Spanish moss. Spend your days exploring the river with 2 boat slips, one equipped with a lift, & convenient access to a shared boat ramp. Back at home, unwind on the screened porch or gather on the wraparound porch as the evening light stretches across the water. All 3 bedrooms enjoy river views, & the first-floor primary suite provides a comfortable retreat. Thoughtful improvements include a bathroom remodel & select kitchen appliances in 2024; a boat dock roof replacement, updated lighting, and new porch screens in 2023; HVAC and deck railings in 2020; re-plumbing in 2018; and hand-painted Spanish tile & hand-carved mantle for fireplace 2026.
Next steps in SilverLeaf
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 1942)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,359 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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 parking
Nease Beachfront Parkabout 16 mi · 14 parking spaces
Closest park or preserve
Palatka-to-St. Augustine State Trailabout 9 mi · 18.6 mi of trails
Closest public boat ramp
Riverdale Park Public Boat Rampabout 2 mi · St. Johns River
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 5 mi · Saint Johns River
Closest youth league fields
Pacetti Bay School Fieldsabout 7 mi · Baseball
Closest grocery store
Publixabout 8 mi · 84 Tuscan Way, Saint 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:36 AM, sunset 6:44 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,102/yr
Estimated taxes if purchased at asking price: ~$10,900/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 26, 2026Listed$685,000
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 $396/sq ft; this home is listed at $438/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 13545 County Rd 13 N, St. Augustine, FL 32092Listed by COMPASS FLORIDA LLC | May 2025 | $625,000 | $400 | 3/2.5 | 1,564 | 5 | 0 |
| 156 County Road 13, St. Augustine, FL 32092Listed by REAL BROKER LLC | Oct 2025 | $500,000 | $255 | 2/3 | 1,960 | 80 | 1.1 |
| 1125 Solano Cove Road, St. Augustine, FL 32092Listed by UNITED REAL ESTATE GALLERY | May 2025 | $798,350 | $396 | 4/3 | 2,015 | 15 | 1.9 |
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
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines