This home is in St. Augustine — a home near St. Augustine High School.
$899,0004 bd · 2.5 ba · 2,171 sq ft
Active·Listed today
308 Spanish Oak Court
St. Augustine, FL 32080
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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
Experience the best of coastal living in Whispering Oaks, an intimate gated community of 52 individually designed homes, each offering its own unique character. Enjoy easy beach access via the Ocean Hammock Park boardwalk directly across the street, along with the convenience of a short stroll to Publix, shopping, and local restaurants. Nestled on a private cul-de-sac beneath a canopy of mature trees, this inviting home offers a peaceful, secluded setting just moments from the beach. Fresh exterior paint, stained wood garage doors, and architectural accents add to its coastal charm.The thoughtfully designed floor plan features spacious primary suite on the main level, with additional bedrooms and office both upstairs and down-ideal for guests, family, or working from home.The kitchen, dining, and living areas create a welcoming space for everyday living and entertaining. Kitchen features granite countertops and stainless steel appliances. Living areas features dramatic soaring ceiling
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, Wood — year not disclosed (home built 2013)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,761 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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
Ocean Hammockabout 0.1 mi
Closest park or preserve
Anastasia State Parkabout 3 mi · 0.7 mi of trails
Closest public boat ramp
Moultrie Creek Boat Rampabout 3 mi · Moutrie Creek
Closest kayak & paddleboard launch
Moultrie Bluffs – Lewis Point Park – Paddlecraft Accessabout 2 mi · Moultrie Creek
Closest youth league fields
Frank Butler Beachfront Park Eastabout 3 mi · Soccer
Closest grocery store
Publixabout 0.2 mi · 1033 A1A Beach Blvd, Saint Augustine Beach
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
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 6:39 AM, sunset 5:38 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
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): $5,294/yr
Estimated taxes if purchased at asking price: ~$14,400/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
- Nov 2, 2026Listed$899,000
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 $388/sq ft; this home is listed at $414/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 220 Madrid Street, St. Augustine Beach, FL 32080Listed by BERKSHIRE HATHAWAY HOME SERVICES FLORIDA NETWORK | Jul 2026 | $860,000 | $450 | 3/2 | 1,913 | 16 | 0.1 |
| 325 Floridian Avenue, St. Augustine, FL 32080Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $555,000 | $308 | 4/2 | 1,800 | 4 | 0.4 |
| 705 Ocean Gate Lane, St. Augustine Beach, FL 32080Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jun 2026 | $1,400,000 | $525 | 4/3 | 2,665 | 5 | 0.4 |
| 175 Bay Bridge Drive, St. Augustine, FL 32080Listed by NAVY TO NAVY HOMES LLC | Oct 2026 | $441,000 | $273 | 3/2.5 | 1,613 | 62 | 0.5 |
| 116 Serenity Bay Boulevard, St. Augustine, FL 32080Listed by LOWEST FEE REALTY LLC | Jun 2026 | $425,000 | $265 | 3/2.5 | 1,604 | 91 | 0.5 |
| 229 N Ocean Trace Road, St. Augustine, FL 32080Listed by THE NEWCOMER GROUP | Jul 2026 | $620,000 | $388 | 3/2 | 1,596 | 15 | 0.6 |
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: ENDLESS SUMMER 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
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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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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