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Active Under Contract

Active Under Contract·118 days on market

2634 Joe Ashton Road

St. Augustine, FL 32092

$1,075,000$230/sqftEst. $5,722/moMLS# 2109643

Beds

Baths

4,683

Sq Ft

1985

Built

Garage

Yes

Pool

About this home

St. Augustine

Design your legacy retreat on over 9 acres in St. Johns County, where Open Rural (OR) zoning allows for equestrian facilities, barns, guest cottages, gardens, or additional residences to be built, giving you the freedom to shape the property to your vision. The large brick home serves as the starting point for your dream estate, set back among mature trees with a pool, detached garage, and pump house already in place. Inside, spacious living areas, fireplaces, an office with built-ins, and architectural details like a stained glass window provide a strong foundation for updates and personal touches. With ample acreage, privacy, and room to expand, this rare offering allows you to create a private retreat or family compound just minutes from Historic St. Augustine and Jacksonville, blending country living with convenient access to city amenities.

Cost to own

Mortgage calculator

Home Price

$1,075,000

Down Payment: 20%

$215,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$5,430

Principal & Interest: $5,430

Est. Taxes & Insurance: $1,358

Estimated Total Monthly

$6,788

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$5,722

Property taxesest. at asking price, St. Johns County$1,430

Estimated total, before insurance$7,152/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	$1,021,976	$319,248	—
2024	$1,006,990	$309,543	—
2023	$819,916	$299,071	—
2022	$747,937	$288,904	—
2021	$575,270	$279,033	—
2020	$543,914	$274,490	—

2024 property taxes (current owner): $4,268/yr

Estimated taxes if purchased at asking price: ~$17,200/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1985)

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: ~1,749 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

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 19, 2026Listed$1,075,000

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

Features

Price$1,075,000

Price / Sq Ft$230

Bedrooms6

Bathrooms4.00

Full Baths4

Square Footage4,683

Acres9.00 acres

Year Built1985

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontNo

Direction FacesWest

Community Information

Address2634 Joe Ashton Road, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionMetes & Bounds

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size392,040 sq ft

Parcel Number0294400025

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingDetached, Garage, Off Street

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), His and Hers Closets, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric, Multi Units

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces2

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level

Window FeaturesSkylight(s)

Exterior

Patio / PorchScreened, Side Porch

RoofShingle

ConstructionBrick

Other StructuresShed(s)

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedMarch 19, 2026

Days on Market229

Tax Amount$4,268.08

Tax Year2024

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

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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20+ years · 500+ closings · NE Florida

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