This home is in Beacon Lake, St. Augustine.

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Active Under Contract

Active Under Contract·260 days on market·Beacon Lake

29 Stargaze Lane

St. Augustine, FL 32095

$565,000$225/sqftEst. $3,007/moMLS# 2115430

Beds

Baths

2,507

Sq Ft

2024

Built

Garage

Pool

About this home

Beacon Lake

This nearly new Vilano floorplan in Beacon Lake offers 4 bedrooms, 3 bathrooms, and a spacious open-concept layout. Built on a premium lot, the home provides rare privacy with green space on one side and additional distance between neighboring homes, and an awe inspiring water front view. The main floor features a bright living area with an electric fireplace, a guest bedroom and full bath, and a kitchen equipped with a large island and breakfast bar, gas cooktop, and walk-in pantry. The dining area sits adjacent, ideal for everyday meals or gatherings. The extended garage provides added flexibility for a workshop, gym, or storage. Upstairs, a loft separates the two secondary bedrooms and primary, creating a versatile space for homework, play, or media. The primary suite includes a walk-in closet, ensuite bath with double vanity and large shower, and a private balcony overlooking the pond.

Cost to own

Mortgage calculator

Home Price

$565,000

Down Payment: 20%

$113,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,872

Principal & Interest: $2,872

Est. Taxes & Insurance: $718

Estimated Total Monthly

$3,590

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$3,007

Property taxesest. at asking price, St. Johns County$752

HOAbilled annually$5

Estimated total, before insurance$3,764/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

Last sold: $509,600 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$507,273	$507,273	—
2024	$85,000	$85,000	—
2023	$85,000	$85,000	—

2024 property taxes (current owner): $4,127/yr

Estimated taxes if purchased at asking price: ~$9,000/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2024)

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

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

Oct 29, 2025Listed$565,000

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

Features

Price$565,000

Price / Sq Ft$225

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,507

Acres0.19 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address29 Stargaze Lane, St. Augustine, FL 32095

Area304- 210 South

SubdivisionBeacon Lake

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size8,276.4 sq ft

Parcel Number0237251320

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage

ViewPond, Other

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Freezer, Gas Oven, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryLower Level