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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St. Augustine — a pool home in St. Johns County.

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Sold

Sold·Closed Apr 7, 2026·88 days on market·Recent sales in St. Augustine

3217 Turtle Creek Road

St. Augustine, FL 32086

$495,000sold priceListed at $499,000 · 99.2% of asking$231/sqftMLS# 2118431
3
Beds
2.5
Baths
2,142
Sq Ft
1988
Built
2
Garage
Yes
Pool
HOA $23/mo16,988 sqft lotSingle Family Residence2 stories

About this home

St. Augustine

Welcome to this fully renovated St. Augustine gem where modern luxury meets coastal convenience. This beautifully updated home features a brand-new roof, masterful upgrades, and designer finishes throughout. Located just minutes from the beach and historic downtown, you'll enjoy the perfect blend of tranquility and accessibility. The community is peaceful, picturesque, and family-friendly, yet only moments away from the highway, top-rated schools, shopping, and restaurants. Move-in ready and impeccably crafted, this home offers the lifestyle you've been waiting for. Come experience comfort, convenience, and coastal living at its finest. All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify. Virtually staged photos included.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,742
Property taxesest. at asking price, St. Johns County$659
HOAbilled annually$23
Estimated total, before insurance$3,423/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,831/yr · $403/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$495,000
$99,000
Loan Term
Monthly Payment
$2,742
Principal & Interest: $2,742
Property taxes (est.): $659
Insurance (est.): $330
Estimated Total Monthly
$3,730
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1988)

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

Solar potential: ~1,319 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$354,445$354,445—
2024$364,915$364,915—
2023$368,377$368,377—
2022$347,073$198,315—
2021$241,568$191,568—
2020$239,800$189,800—

2024 property taxes (current owner): $4,831/yr

Estimated taxes if purchased at asking price: ~$7,900/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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $278/sq ft; this home is listed at $233/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2950 Kings Road, St. Augustine, FL 32086Listed by CHAD AND SANDY REAL ESTATE GROUPSep 2026$950,000$4134/22,3001870.4
3508 Kings Road S, St. Augustine, FL 32086Listed by PONTE VEDRA CLUB REALTY, INC.Jul 2026$550,000$2373/22,3192020.4
832 White Eagle Circle, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$444,000$2593/21,711630.7
102 Alicante Road, St. Augustine, FL 32086Listed by LA ROSA REALTY NORTH FLORIDA, LLC.Jul 2026$335,000$1953/21,7221010.7
3345 Kings Road S, St. Augustine, FL 32086Listed by INTEGRITY KEY REALTY LLCOct 2026$520,000$2863/21,818290.8
3517 Carolwood Lane, St. Augustine, FL 32086Listed by THE NEWCOMER GROUPJun 2026$625,000$2784/22,24610.8

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$499,000
Price / Sq Ft$233
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,142
Acres0.39 acres
Year Built1988
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontNo

Community Information

Address3217 Turtle Creek Road, St. Augustine, FL 32086
Area337-Old Moultrie Rd/Wildwood
SubdivisionWillow Walk
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32086
Lot Size16,988.4 sq ft
Parcel Number1353114050

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Patio / PorchDeck
RoofShingle
ConstructionAluminum Siding, Concrete, Stucco
Road SurfacePaved

Additional Information

Date ListedNovember 18, 2025
Days on Market88
HOA Fees$275 / Annually
HOA FrequencyAnnually
Tax Amount$4,830.58
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: DJ & LINDSEY REAL ESTATE

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 7, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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