Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Beacon Lake, St. Augustine — a home near Beachside High School.

No photos available

This listing has no photos yet

Sold

Sold·Closed Oct 17, 2024·1 day on market·Recent sales in Beacon Lake·Beacon Lake

346 Whirlwind Place 186

St. Augustine, FL 32095

$492,990sold priceListed at $492,990 · 100% of asking$235/sqftMLS# 2046905
4
Beds
2.5
Baths
2,095
Sq Ft
2024
Built
2
Garage
No
Pool

20 more homes for sale in Beacon Lake →Search Beacon Lake on the map

HOA $5/moSingle Family Residence2 storiesNew construction

About this home

Beacon Lake

*Images shown are for illustrative purposes only* Ready in OCT 2024 Come home to the beautiful community of Beacon Lake. Dream Finders Homes offering the Stockton. This 2-story home has 4 bedrooms, 2.5 bathrooms, and a 2 car garage, with the owner's suite downstairs. Don't miss out on this one! Please call for an appointment today! Play on the lakeside sand beach. Launch your paddle board, kayak or canoe. Spin, practice yoga, lift weights and get your heart pumping in the fitness center.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,731
Property taxesest. at asking price, St. Johns County$656
HOAbilled annually$5
Estimated total, before insurance$3,392/mo
  • • 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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$492,990
$98,598
Loan Term
Monthly Payment
$2,731
Principal & Interest: $2,731
Property taxes (est.): $656
Insurance (est.): $329
Estimated Total Monthly
$3,715
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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 — year not disclosed (home built 2024)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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.

History

Price & status history

  • Sep 11, 2024Listed$492,990

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 $228/sq ft; this home is listed at $235/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
65 Stargaze Lane, St. Augustine, FL 32095Listed by BLUEFIN REAL ESTATE GROUPSep 2026$525,000$2263/2.52,328250.5
368 Stargaze Lane, St. Augustine, FL 32095Listed by BLUEFIN REAL ESTATE GROUPAug 2026$540,000$2604/2.52,075500.6
135 Da Vinci Boulevard, Ponte Vedra, FL 32081Listed by EXP REALTY LLCAug 2026$364,000$2283/2.51,593391
612 Picasso Avenue, Ponte Vedra, FL 32081Listed by DJ & LINDSEY REAL ESTATEOct 2026$420,000$1653/2.52,547101.1
204 Silver Creek Place, St. Augustine, FL 32095Listed by EXP REALTY LLCSep 2026$530,000$2334/2.52,2701251.1
129 Silver Creek Place, St. Augustine, FL 32095Listed by MARK SPAIN REAL ESTATEOct 2026$447,000$1803/2.52,477341.2

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

Price$492,990
Price / Sq Ft$235
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,095
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

Community Information

Address346 Whirlwind Place 186, St. Augustine, FL 32095
Area304- 210 South
SubdivisionBeacon Lake
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Parcel Number0290131860
ZoningPUD

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Playground, Tennis Court(s)
UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
Green / EnergyWindows
ParkingAdditional Parking, Attached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Microwave, Tankless Water Heater
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringConcrete, Laminate, Tile
# of Stories2
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 11, 2024
Days on Market1
HOA Fees$61 / Annually
HOA FrequencyAnnually
HOA NameBEACON MANAGER
Tax Year2022
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC

Sold by: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST (buyer's brokerage)

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.

The neighborhood

About Beacon Lake

Beacon Lake is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.

View all Beacon Lake homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 17, 2024. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines