This home is in St. Augustine — a waterfront home in St. Johns County.
Active·181 days on market
2878 Adams Road
St. Augustine, FL 32092
About this home
St. Augustine
Wake Up to the River -St. Johns Waterfront Home with Dock & Guest Suite. Stunning waterfront retreat on the St. Johns River. Wake up to sweeping river views from nearly every room with 140 ft of river frontage and 112 ft of canal frontage. Designed for easy, low-maintenance riverfront living with direct water access and flexible space. The main living area is upstairs to maximize views and natural light. The Owners suite features a large dressing room/walk in closet and laundry. The open kitchen offers reclaimed lumber cabinetry and islam from the original homestead, gas cooktop, farmhouse sink and pantry, flowing into the family room and open office. A second ensuite bedroom completes the upper level. The lower level includes a private in-law/guest suite with bedroom, full bath, family room, hobby room, laundry/utility and kitchenette, ideal for extended stays or multi-gen living. Enjoy covered decks, private dock and boat access, a two car garage with climate controlled workshop.
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, 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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $921,963 | $316,651 | — |
| 2025 | $108,358 | $0 | — |
| 2024 | $873,287 | $307,019 | — |
| 2024 | $108,770 | $0 | ▲ $20,899 |
| 2023 | $872,777 | $296,620 | — |
| 2023 | $83,041 | $0 | — |
| 2022 | $543,099 | $286,524 | — |
| 2022 | $79,857 | $0 | ▲ $2,696 |
| 2021 | $430,214 | $276,722 | — |
| 2021 | $65,473 | $19,054 | — |
| 2020 | $114,790 | $48,360 | — |
| 2020 | $58,632 | $18,446 | — |
2024 property taxes (current owner): $4,490/yr
Estimated taxes if purchased at asking price: ~$20,000/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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,508 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 homeAs 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
Price & status history
- Feb 12, 2026Listed$1,250,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines