$489,999
31 OAK Street, St. Augustine, FL 32084, St. Augustine, FL 32084
Hildreth Back Bay
- Price
- $489,999
- Beds / Baths
- 2 / 2
- Living area
- 988 sqft
- Year built
- 1989
- Type
- Residential
- Lot
- 0.16 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- St. Johns
- Days on market
- 243
- Elementary
- Ketterlinus
- Middle
- Sebastian
- High school
- St. Augustine
Waterfront gem in the Historic District of St. Augustine! This beautifully updated 2BR/2BA home offers navigable water access with stunning marsh and Intracoastal views from a quiet dead-end street. Elevated on stilts, the home features all ceramic tile, a wood-burning fireplace, and a stylish kitchen with stainless steel appliances and a mother-of-pearl backsplash. Recent upgrades include a new metal roof, windows, doors, gutters, and a brand-new lower deck with retractable awning. Enjoy a fenced yard, parking for 4+ vehicles including RV/boat, and a very successful Airbnb history. NO HOA!!! Prime location!!! Bike to the beach, walk to downtown St. Augustine and the Fort, with access to a community park, and garden. Ideal as a primary residence, second home, or investment property.
What to check on this one
- Verify actual flood zone designation and elevation certificate—waterfront + stilts suggest AE/VE.
- Confirm metal roof installation date and manufacturer warranty details.
- Obtain short-term rental (Airbnb) permit status and city compliance documentation.
- Request plumbing inspection—1989 build may have polybutylene or cast-iron issues.
- Review property insurance quotes; waterfront + age = higher premiums and potential insurer limits.
- Get estoppel letter and verify no unpaid assessments or liens on title.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $391,999 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE. Data via realMLS (Northeast Florida MLS), updated Aug 26, 2026, 12:49 PM.
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