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

This home is in South Hampton, St. Augustine — a home near Beachside High School.

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Sold

Sold·Closed Apr 29, 2025·51 days on market·Recent sales in South Hampton·South Hampton

1042 Garrison Drive

St. Augustine, FL 32092

$695,000sold priceListed at $699,900 · 99.3% of asking$191/sqftMLS# 2069173
5
Beds
4
Baths
3,630
Sq Ft
2004
Built
2
Garage
Yes
Pool

13 more homes for sale in South Hampton →Search South Hampton on the map

HOA $108/mo16,117 sqft lotSingle Family Residence2 stories

About this home

South Hampton

Discover a gem in South Hampton Golf Club! No CDD fees and low HOA fees. This stunning 5 bdr 4 bath home is situated on one of the largest lots in South Hampton, features a gorgeous entry, formal living room, dining room and first floor guest bedroom with en-suite bath.The large kitchen, with upgraded stainless steel appliances, opens to a spacious family room, a beautiful gas fireplace and overlooks the extensive outdoor covered lanai, inground sparkling salt water pool and spa all designed for entertaining and resort style living in mind. In addition, this property displays magnificent, mature palm trees enhancing the completely fenced private yard which provides space for gardening, play and pets. Upstairs features a large master bedroom with attached office flex space, media room and a second family room. Roof 2022, solar panels 2023, interior paint 2025, exterior paint 2024, two AC units, tankless water heater, water softener and so much more. Please see upgrade sheet in MLS Docs

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$3,850
Property taxesest. at asking price, St. Johns County$925
HOAbilled semi-annually$108
Estimated total, before insurance$4,882/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,459/yr · $372/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$695,000
$139,000
Loan Term
Monthly Payment
$3,850
Principal & Interest: $3,850
Property taxes (est.): $925
Insurance (est.): $463
Estimated Total Monthly
$5,238
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,721 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $4,459/yr

Estimated taxes if purchased at asking price: ~$11,100/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, NEFMLS.

History

Price & status history

  • Feb 7, 2025Listed$699,900

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 $268/sq ft; this home is listed at $193/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
25 Summer Sun Way, St. Augustine, FL 32092Listed by SOMEDAY HOMES REALTY, LLC.Sep 2026$730,000$2686/32,728110.1
995 Garrison Drive, St. Augustine, FL 32092Listed by RE/MAX SPECIALISTSAug 2026$690,000$2655/32,603570.2
23 Pine Grove Point, St. Augustine, FL 32092Listed by PERRY HOMESSep 2026$1,178,900$3363/3.53,5081780.5
329 Arbor Creek Drive, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$1,230,800$3085/4.53,996240.5
517 Johns Creek Parkway, St. Augustine, FL 32092Listed by HOUSE & HAVENAug 2026$476,999$1685/32,8341400.5
725 Corrigan Drive, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$620,000$1736/53,57650.7

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$699,900
Price / Sq Ft$193
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage3,630
Acres0.37 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Heated, Pool Sweep, Salt Water
Is WaterfrontNo

School Information

Community Information

Address1042 Garrison Drive, St. Augustine, FL 32092
Area304- 210 South
SubdivisionSouth Hampton
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size16,117.2 sq ft
Parcel Number0099721380

Amenities

AmenitiesPool, Barbecue, Basketball Court, Clubhouse, Fitness Center, Management- On Site, Pickleball, Playground, Tennis Court(s)
UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, In-Law Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Cooktop, Gas Oven, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryGas Dryer Hookup, Washer Hookup
Spa FeaturesIn Ground

Exterior

Patio / PorchDeck
FencingBack Yard
RoofShingle
ConstructionStucco
Road SurfaceAsphalt

Additional Information

Date ListedFebruary 7, 2025
Days on Market51
HOA Fees$646 / Semi-Annually
HOA FrequencySemi-Annually
HOA Fee IncludesMaintenance Grounds
Tax Amount$4,458.88
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: THE LEGENDS OF REAL ESTATE

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 South Hampton

South Hampton is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.

View all South Hampton homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 29, 2025. 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.

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