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This home is in St. Augustine.

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Active

Active·571 days on market

4540 N Francis Road

St. Augustine, FL 32095

$1,550,000Est. $7,960/moMLS# 2066925

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

St. Augustine

11 acres in World Golf Village with two mobile homes. This property is being marketed for value of land as the two mobile homes are aging and need work . an inground pool , carport, electricity , pool house, and a workshop . The workshop has multiple areas including a hydraulic lift in the end bay with a roll up door. The property is fenced in as it was previously used to house livestock . no HOA's or CDD fees. This property has the potential to be rezoned by a developer and houses can be built on lot. But it can also be used as a farm and a private retreat.

Cost to own

Mortgage calculator

Home Price

$1,550,000

Down Payment: 20%

$310,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$7,960

Principal & Interest: $7,960

Property taxes (est.): $2,063

Insurance (est.): $1,033

Estimated Total Monthly

$11,056

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.65% · 30yr$7,960

Property taxesest. at asking price, St. Johns County$2,063

Estimated total, before insurance$10,023/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$9,328/yr · $777/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $1,000,000 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$718,811	$718,811	—
2024	$703,294	$703,294	—
2023	$368,236	$20,384	—
2022	$318,333	$24,145	—
2021	$243,929	$23,428	—
2020	$247,097	$20,776	—

2024 property taxes (current owner): $9,328/yr

Estimated taxes if purchased at asking price: ~$24,800/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 (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,319 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Ask about this home

As of July 2026, 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