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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 Arbor Mill, St. Augustine — a home near Bartram Trail High School.

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Sold

Sold·Closed Sep 19, 2025·8 days on market·Recent sales in Arbor Mill·Arbor Mill

270 Athens Drive

St. Augustine, FL 32092

$444,900sold priceListed at $444,900 · 100% of asking$196/sqftMLS# 2103937
4
Beds
3
Baths
2,266
Sq Ft
2018
Built
3
Garage
No
Pool

8 more homes for sale in Arbor Mill →Search Arbor Mill on the map

HOA $32/mo7,841 sqft lotSingle Family Residence1 story

About this home

Arbor Mill

Sought after 4 bed, 3 full bath home on a corner lot in Arbor Mill! This move-in ready property features a formal dining room, as well as, a large kitchen with over-sized counter space bar, island and breakfast area. The large living room is the perfect space designed for comfortable living. The primary bedroom is like a retreat with its huge walk-in closet and luxurious en-suite equipped with modern finishes, double sinks, soaking tub and walk-in shower. Enjoy the outdoors on your covered screened-in porch overlooking the backyard with expansive green space. This property's appealing location and modern construction makes it a standout option and it won't last long!

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$2,464
Property taxesest. at asking price, St. Johns County$592
HOAbilled annually$32
Estimated total, before insurance$3,088/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,479/yr · $457/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

$444,900
$88,980
Loan Term
Monthly Payment
$2,464
Principal & Interest: $2,464
Property taxes (est.): $592
Insurance (est.): $297
Estimated Total Monthly
$3,353
*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 — year not disclosed (home built 2018)

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

Solar potential: ~1,707 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): $5,479/yr

Estimated taxes if purchased at asking price: ~$7,100/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

  • Aug 14, 2025Listed$444,900

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 $241/sq ft; this home is listed at $196/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
163 Vivian James Drive, St. Augustine, FL 32092Listed by HOUSE & HAVENSep 2026$635,000$2524/32,517170.1
479 Athens Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTYSep 2026$622,000$2413/2.52,577170.3
39 Athens Drive, St. Augustine, FL 32092Listed by WATSON REALTY CORPSep 2026$500,000$2204/22,2681510.4
324 Silver Glen Avenue, St. Augustine, FL 32092Listed by FLUID REALTY, LLC.Sep 2026$362,500$1364/2.52,66870.6
93 Scarlet Rose Lane, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2026$750,000$2805/42,67950.7
2080 Crown Drive, St. Augustine, FL 32092Listed by COMPASS FLORIDA LLCOct 2026$625,000$2384/32,626900.9

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$444,900
Price / Sq Ft$196
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,266
Acres0.18 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address270 Athens Drive, St. Augustine, FL 32092
Area303-Palmo/Six Mile Area
SubdivisionArbor Mill
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size7,840.8 sq ft
Parcel Number0271411170

Amenities

AmenitiesPool, Playground
UtilitiesElectricity Available, Natural Gas Not Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Gas Cooktop, Gas Oven, Microwave, Refrigerator
HeatingCentral, Natural Gas
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionCorner Lot
Patio / PorchCovered, Rear Porch, Screened
RoofShingle
ConstructionFrame, Stone, Vinyl Siding
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedAugust 14, 2025
Days on Market8
HOA Fees$385 / Annually
HOA FrequencyAnnually
Tax Amount$5,479.05
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ENTERA REALTY LLC

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 Arbor Mill

Arbor Mill is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.

View all Arbor Mill homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 19, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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