This home is in St. Augustine.
Active Under Contract·70 days on market
120 Stokes Landing Road
St. Augustine, FL 32095
About this home
St. Augustine
Discover the perfect blend of privacy, space, and true Florida living at 120 Stokes Landing Rd, a beautifully maintained property located just minutes from historic downtown St. Augustine. Tucked away on a generous .99 acre homesite surrounded by lush natural scenery, this home offers room to breathe while still being conveniently close to shopping, dining, beaches, and top-rated St. Johns County schools. Inside, you'll find a bright, open layout designed for both everyday comfort and effortless entertaining. The spacious living area flows seamlessly into the kitchen and dining spaces, creating a warm and welcoming environment. Large windows bring in abundant natural light and offer tranquil views of the surrounding greenery. Step outside to enjoy the expansive backyard, ideal for outdoor living, gardening, or creating your dream pool oasis. With no HOA and plenty of room for boats, RVs, or additional toys, this property provides the freedom and flexibility that's increasingly hard
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $400,538 | $156,159 | — |
| 2024 | $409,485 | $151,051 | — |
| 2023 | $416,376 | $145,195 | — |
| 2022 | $305,431 | $139,510 | — |
| 2021 | $204,962 | $133,990 | — |
| 2020 | $208,547 | $131,450 | — |
2024 property taxes (current owner): $2,289/yr
Estimated taxes if purchased at asking price: ~$8,000/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.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 1999)
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: ~1,655 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 homeInformational 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
- May 7, 2026Listed$499,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: LA ROSA REALTY NORTH FLORIDA, LLC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines