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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 Rowands, St. Augustine — a new construction home in St. Johns County.

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Pending

Pending·326 days on market·Rowands

13550 County Road 13 N

St. Augustine, FL 32092

$1,811,480$479/sqftEst. $9,955/mo mortgageMLS# 2120530
4
Beds
3.5
Baths
3,784
Sq Ft
2026
Built
3
Garage
No
Pool

All Rowands homes for sale →Search Rowands on the map

No HOA7.20 acresSingle Family Residence2 storiesNew construction

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Rowands

Choose from one of Adele Designer Homes beautiful floor plans to design your next home, or we can customize one of your own. All homes include high ceilings & 8' doors, oversized windows, custom 42'' cabinets with soft-close drawers and crown molding, quartz countertops, wood flooring, stainless appliances, deluxe master bathroom, walk-in closets, 4'' door casing, a $100,000 lot prep allowance, and much more. Photos are of past homes to showcase included features and available finishes. All floor plans available to view on builder website.Discover a truly special piece of Old Florida in the heart of St. Augustine. This remarkable 7.20-acre parcel offers endless possibilities under Open Rural zoning, giving you the freedom to create the lifestyle and property you've always imagined. As you enter the land, you're greeted by a stunning oak canopy that stretches across the property, creating a serene, shaded landscape filled with natural character and timeless charm.

Next steps in Rowands

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$9,955
Property taxesest. at asking price, St. Johns County$2,410
Estimated total, before insurance$12,365/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,243/yr · $354/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

$1,811,480
$362,296
Loan Term
Monthly Payment
$9,955
Principal & Interest: $9,955
Property taxes (est.): $2,411
Insurance (est.): $1,208
Estimated Total Monthly
$13,573
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 2026)

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

Solar potential: ~1,322 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

Last sold: $179,100 in February 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$285,123$155,444—
2025$180,885$180,885—
2024$298,204$296,365—
2024$181,148$181,148—
2023$297,542$269,423—
2023$169,257$169,257▲ $12,337
2022$253,730$244,930—
2022$150,950$126,694▲ $2,964
2021$222,664$222,664—
2021$123,316$115,177▲ $11,734
2020$220,136$202,451—
2020$108,015$104,707—

2025 property taxes (current owner): $4,243/yr

Estimated taxes if purchased at asking price: ~$28,900/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 $342/sq ft; this home is listed at $479/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
257 County Road 13 S, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2025$1,050,000$3424/2.53,0721271.2
841 County Road 13 S, St. Augustine, FL 32092Listed by COLDWELL BANKER VANGUARD REALTYDec 2025$1,225,000$3425/43,5781822.1
7010 Woodward Road, St. Augustine, FL 32092Listed by REALTY EXCHANGE OF FLORIDAMay 2026$829,000$3066/22,7121502.6

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$1,811,480
Price / Sq Ft$479
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,784
Acres7.20 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionTo Be Built
StatusPending
# of Garages3
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

This listingNo schools reported in the MLS
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address13550 County Road 13 N, St. Augustine, FL 32092
Area343-Molasses Junction/Elkton
SubdivisionRowands
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size313,632 sq ft
Parcel Number0175700000

Amenities

UtilitiesElectricity Available, Water Available
Water SourceWell
ParkingAttached, Garage Door Opener

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry
AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Wood
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionIrregular Lot, Many Trees
Patio / PorchCovered, Patio
RoofShingle
ConstructionFiber Cement, Frame
Road FrontageCounty Road

Additional Information

Date ListedDecember 5, 2025
Days on Market326
Tax Amount$4,242.96
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: SERVICE REALTY, LLC

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.

The neighborhood

About Rowands

Rowands is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.

View all Rowands homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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