This home is in St. Augustine.
Active·245 days on market
4041 Pine Run Circle
St. Augustine, FL 32086
About this home
St. Augustine
Welcome to your new Dream Home - beautiful waterfront property that offers bulkheaded lot and provides spacious backyard for your own peaceful outdoor Oasis. Enjoy true freedom of this home ownership, as there are no HOA or CDD fees. This properly sits on half an acre of land, features large screened heated saltwater pool, covered lakefront gazebo, spacious fully fenced back yard, and private fishing pier. House features an open floor plan filled with abundance of natural light. The backyard melts into the spring-fed lake, providing a private retreat for quiet mornings and serene evenings. Interior of home has been upgraded with newer appliances and A/C, recently installed septic tank, brand new roof - September 2025. New exterior paint, pool and deck remodel - January 2026. Property comes with transferable termite bond, November 2025 Home inspection report is available. Centrally located - close to Historic downtown, I-95, and the beaches.
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 | $353,118 | $353,118 | — |
| 2024 | $370,274 | $370,274 | — |
| 2023 | $374,415 | $374,415 | — |
| 2022 | $344,916 | $344,916 | — |
| 2021 | $249,650 | $108,051 | — |
| 2020 | $238,002 | $105,869 | — |
Estimated taxes if purchased at asking price: ~$10,800/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: material not specified — year not disclosed (home built 1990)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water · St Johns County Utilities - water accounts
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: ~1,725 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
- Nov 13, 2025Listed$675,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: SAVVY AVENUE, LLC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines