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238 Lily Rd, Saint Augustine, FL, 32086

3beds
2baths
1,464sqft
$399,500
$273price/sqft
$3,023/moest. monthly cost
$120,920/yrincome needed

About This Home

Rare waterfront opportunity! 238 Lily Road offers spectacular water views and an unbeatable coastal lifestyle. This 3BR/2BA home boasts a bright, open floor plan, a gorgeous kitchen, and incredible outdoor spaces right on the water. It is absolutely perfect for fishing, crabbing, or simply relaxing on your porch watching the local wildlife. Move-in ready and priced to sell—don’t let this dream home slip away! Schedule your tour today!

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

6/10
5/10

Construction

Condition

  • Year built: 1975

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedroom2

  • Area: 132

Bedrooms & Bathrooms

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

Dining Room

  • Features: Combo

Interior Area

  • Total structure area: 1,464
  • Total interior livable area: 1,464 sqft

Kitchen

  • Area: 130

Master Bedroom

  • Level: First
  • Area: 182

Property

Details

  • Parcel number: 2701300160
  • Zoning: resid

Features

  • Stories: 1
  • Entry location: Ground Level
  • Patio & porch: Patio,Porch
  • On waterfront: Yes
  • Waterfront features: Lake

Lot

  • Lot size: 7,500 sqft
  • Features: Regular,Less than 1/4 Acre
  • Lot size dimensions: 100x75

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
  • Hurricane
    HurricaneModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Hurricane
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 $2,020$24,240
Home Insurance *$304$3,648
Property Taxes $502$6,024
Electricity $197$2,366
Total$3,023$36,276
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,645/yr
40% on housing$90,690/yr
45% on housing$80,613/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

$273This 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
2026-05-15Listed for sale$399,500
2020-01-08Sold$220,000
2019-02-10Listing removed$1,500
2019-01-23Listed for rent$1,500
2017-06-28Listing removed$189,900
2017-06-23Pending sale$189,900
2017-06-20Sold$190,000
2017-05-01Listed for sale$189,900
2017-04-24Pending sale$189,900
2017-04-08Listed for sale$189,900
2013-05-22Sold$160,000
2012-10-20Price change$164,000
2012-07-14Listed for sale$169,000
2010-09-28Sold$70,000
2010-07-12Price change$70,000
2010-05-21Price change$74,900
2010-05-15Listed for sale--

For Sale by Agent

AgentBernie Packo
BrokerageRealty Exchange, LLC

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