Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Grand Oaks, St. Augustine — a waterfront home in St. Johns County.

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Active

Active·76 days on market·Grand Oaks

182 Myrtle Oak Court

St. Augustine, FL 32092

$529,900$252/sqftEst. $2,724/moMLS# 2087919

Beds

Baths

2,103

Sq Ft

2021

Built

Garage

Pool

About this home

Grand Oaks

Welcome to this beautifully maintained 3-bedroom, 2 bath home featuring a versatile Bonus Room, perfect for a home office, playroom, or guest space. This single story residence offers an open-concept layout with abundant natural light, a spacious living area, and a dedicated dining space. The kitchen boasts modern appliances, ample cabinet storage and kitchen island for ideal entertaining. The primary suite includes an en-suite bath and huge walk in closet. Two additional bedrooms to provide comfort and flexibility for guests. Step outside to the fully screened lanai with extended pavers, allowing additional space for gatherings or relaxing evenings. Attached two garage, laundry room and updated systems throughout complete the package. Located in a desirable neighborhood near parks, shopping, schools, restaurants and easy freeway access. This move-in ready home is a must see.

Cost to own

Mortgage calculator

Home Price

$529,900

Down Payment: 20%

$105,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,724

Principal & Interest: $2,724

Property taxes (est.): $705

Insurance (est.): $353

Estimated Total Monthly

$3,783

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,724

Property taxesest. at asking price, St. Johns County$705

HOAbilled monthly$23

Estimated total, before insurance$3,452/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,072/yr · $589/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

Year	Market value	Taxable value	Change
2025	$397,566	$285,396	—
2024	$384,441	$276,645	—
2023	$354,241	$267,131	—
2022	$338,160	$257,894	—
2021	$40,000	$40,000	—

2024 property taxes (current owner): $7,072/yr

Estimated taxes if purchased at asking price: ~$8,500/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: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,776 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

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

Price & status history

Jun 14, 2026Listed$529,900

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

Features

Price$529,900

Price / Sq Ft$252

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,103

Total Structure Area3,456 sq ft

Acres0.15 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

Community Information

Address182 Myrtle Oak Court, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionGrand Oaks

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,534 sq ft

Lot Dimensions6534 sq ft

Parcel Number0274500180

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, Guest

ViewPond

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySmoke Detector(s)