This home is in St. Augustine.

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Active

Active·120 days on market

3649 Lone Wolf Trail

St. Augustine, FL 32086

$790,000$263/sqftEst. $4,205/moMLS# 2081465

Beds

Baths

3,007

Sq Ft

1985

Built

Garage

Yes

Pool

About this home

St. Augustine

Lovely Prairie Creek gated community with 24 hour gatekeepers. Home is set under a canopy of majestic oak and ornamental trees lining the neighborhood on 1.2 ACRE LOT WITH PRESERVE AND CREEK BACKDROP! Very private in a great quiet upscale neighborhood. A real St. Augustine gem. A rare find close to historic downtown, sandy white beaches, fabulous shopping and best rated restaurants. Spacious open floor plan with over 3,000+sf. 3 bedrooms and 3.5 baths all on the same level. Master bathroom has been updated and sports new tile floors and ''soaking tub''. Cathedral ceiling in oversized master bedroom with auto-light walk-in closets. Fabulous sauna. Wood burning fireplace in family room. Modernized recently updated extra-large kitchen/dining area, new counter stovetop, in-wall oven, microwave, abundance of cabinets and counter space. Skylights in dining area overlooking crystal clear pool and preserve! Large screened outdoor entertaining decks surround the pool.

Cost to own

Mortgage calculator

Home Price

$790,000

Down Payment: 20%

$158,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,015

Principal & Interest: $4,015

Est. Taxes & Insurance: $1,004

Estimated Total Monthly

$5,019

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$4,205

Property taxesest. at asking price, St. Johns County$1,051

HOAbilled monthly$196

Estimated total, before insurance$5,452/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$547,001	$326,365	—
2024	$543,451	$316,460	—
2023	$565,107	$305,786	—
2022	$540,003	$295,423	—
2021	$412,445	$362,445	—
2020	$448,324	$265,963	—

2024 property taxes (current owner): $4,355/yr

Estimated taxes if purchased at asking price: ~$12,600/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: Metal — year not disclosed (home built 1985)

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

Septic system (public record) · 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: ~1,216 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Mar 18, 2026Listed$790,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$790,000

Price / Sq Ft$263

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,007

Acres1.22 acres

Year Built1985

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryOtis A. Mason

MiddleGamble Rogers

HighPedro Menendez

Community Information

Address3649 Lone Wolf Trail, St. Augustine, FL 32086

Area337-Old Moultrie Rd/Wildwood

SubdivisionPrairie Creek

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Lot Size53,143.2 sq ft

Parcel Number1368031060

Amenities

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Freezer, Microwave, Plumbed For Ice Maker, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

Security24 Hour Security, Security Gate

Spa FeaturesBath