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111 SWALLOW Road, Saint Augustine, FL, 32086

3beds
2baths
2,073sqft
$425,000
$205price/sqft
$3,142/moest. monthly cost
$125,680/yrincome needed

About This Home

Ready to escape the HOA? Welcome to St. Augustine South, one of St. Augustine's most convenient and sought-after neighborhoods where no HOA restrictions mean the freedom to truly live your way. Park your boat right in the driveway, then head to one of two nearby community boat ramps with direct access to Matanzas River and Moultrie Creek. This move-in ready home blends comfort, flexibility, and functionality with a new metal roof (2025), updated LVP flooring throughout (no carpet here), plumbing re-pipe (2023), newer HVAC (2021), new hot water heater (2025), and fresh neutral paint throughout. Flexible living spaces offer endless potential inside, while outside, the fully fenced backyard creates a private retreat complete with a large gazebo, covered carport area, and a storage shed. With beaches, shopping, dining, and historic downtown all nearby, this home delivers the comfortable and laid-back coastal lifestyle so many buyers are searching for. Inside, the main living area centers around a decorative fireplace, creating a warm and comfortable gathering space for everyday living and entertaining. Natural light, practical design, and flexible spaces give the home an easy, livable feel from the moment you walk through the door. One of the standout features of this property is the incredible versatility it offers. In addition to the three traditional bedrooms, the garage has been thoughtfully converted into two additional flex spaces that can easily adapt to your lifestyle needs. Whether you envision a home office with a private exterior entrance for clients, a fitness room, playroom, hobby space, media room, guest retreat, or second living area, this home offers the flexibility to create spaces that truly fit the way you live today. For buyers who prefer a traditional garage setup, the original garage doors remain in place, offering the potential to convert the space back if desired. Outside, the property continues to offer the kind of freedom and flexibility that is becoming increasingly difficult to find in St. Augustine. The fully fenced backyard provides privacy and room to relax, entertain, or store recreational equipment with ease. A large gazebo creates the perfect outdoor gathering space, while the covered carport area and backyard shed add valuable functionality and storage. With no HOA or CDD restrictions, there's room for your boat, trailer, tools, or recreational vehicles without the limitations of a heavily restricted community. Adding to the appeal, residents enjoy access to two nearby neighborhood boat ramps, making it easy to enjoy boating, fishing, and everything coastal Florida living has to offer. Perfectly positioned near local restaurants, parks, schools, major commuter routes, beautiful beaches, and the charm of historic downtown St. Augustine, this home offers the ideal balance of convenience and laid-back living. Whether you're searching for a primary residence, an investment opportunity, or a flexible property with room to grow alongside your needs, this home presents an exceptional opportunity in a location people continue to love calling home. Schedule your private showing today!

Getting Around

41
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

7/10
Osceola Elementary SchoolGrades PK-52.3 mi
7/10
R J Murray Middle SchoolGrades 6-83.9 mi
5/10

Construction

Condition

  • Year built: 1984

Materials

  • Roof: Metal
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Refrigerator
  • Laundry features: Electric Dryer Hookup

Bathroom2

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Bonus Room

  • Level: Main

Den

  • Level: Main

Features

  • Breakfast Bar,Eat-in Kitchen,Open Floorplan,Primary Bathroom - Shower No Tub
  • Window features: Skylight(s)
  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Wall/Window Unit(s)

Interior Area

  • Total structure area: 2,677
  • Total interior livable area: 2,073 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Office

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 2331202667

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch
  • Fencing: Back Yard,Wood

Lot

  • Lot size: 7,840 sqft

Parking

  • Total spaces: 1
  • Parking features: Attached Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Coastal Flooding
Hurricane
Heat Wave
Tornado
Tsunami

FEMA Declared Disasters in St. Johns County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,149$25,788
Home Insurance *$323$3,876
Property Taxes $462$5,544
Electricity $208$2,503
Total$3,142$37,704
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,725/yr
40% on housing$94,260/yr
45% on housing$83,786/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.7%
13.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 32086$204
St. Johns County$292

vs Homes Sold Last Month

Median $/sqft

ZIP 32086$230
St. Johns County$239

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-27Price change$425,000
2026-05-15Listed for sale$450,000
2021-07-15Sold$190,000

For Sale by Agent

AgentNIKOL SPARKS
BrokerageKELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE

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