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Active

Active·286 days on market

1148 Kerri Lynn Road

St. Augustine, FL 32084

$119,000Est. $607/moMLS# 2113087

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

St. Augustine

Affordable and build-ready! This cleared ½-acre lot at 1148 Kerri Lynn Rd already has well, septic, and electric in place, saving you time and thousands in setup costs. Bring your manufactured, modular, or site-built home plans and start building right away. No HOA or CDD restrictions. Conveniently located just minutes from downtown St. Augustine, shopping, dining, and beaches. A rare opportunity to own a ready-to-go homesite in the 32084 area. Don't miss it!

Cost to own

Mortgage calculator

Home Price

$119,000

Down Payment: 20%

$23,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$607

Principal & Interest: $607

Property taxes (est.): $158

Insurance (est.): $79

Estimated Total Monthly

$844

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$607

Property taxesest. at asking price, St. Johns County$158

Estimated total, before insurance$765/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$79,414	$0	—
2024	$73,662	$0	—
2023	$65,108	$0	—
2022	$69,622	$0	—
2021	$46,620	$0	—
2020	$47,394	$0	—

2024 property taxes (current owner): $254/yr

Estimated taxes if purchased at asking price: ~$1,900/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

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

Septic system (public record) · 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: ~1,678 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