Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in St. Augustine — a home near Tocoi Creek High School.

1 / 106

Active

Active·239 days on market

40 Sparrow Creek Drive

St. Augustine, FL 32092

$995,000$243/sqftEst. $5,115/moMLS# 2123090

Beds

Baths

4,090

Sq Ft

2025

Built

Garage

Pool

About this home

St. Augustine

**Seller offering 15k credit towards closing costs/pre-paids with acceptable offer. **Welcome to 40 Sparrow Creek Dr, a home that instantly feels special the moment you arrive. Set on a rare preserve lot with privacy on two sides and no home across the street, this is the only David Weekley DeLeon floorplan in the community--offering space, privacy, and a layout you simply won't find anywhere else. Step inside and you're greeted by soaring ceilings, beautiful natural light, and LVP flooring throughout, creating an open, inviting feel. The heart of the home is the spacious, open-concept living area where the family room, dining space, and chef's kitchen come together perfectly for everyday life and easy entertaining. The kitchen stands out with stacked soft-close cabinets to the ceiling, plenty of prep space, and stylish finishes, while the dining area features custom built-in buffet cabinetry that's as functional as it is eye-catching.

Cost to own

Mortgage calculator

Home Price

$995,000

Down Payment: 20%

$199,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,115

Principal & Interest: $5,115

Property taxes (est.): $1,324

Insurance (est.): $663

Estimated Total Monthly

$7,103

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$5,115

Property taxesest. at asking price, St. Johns County$1,324

HOAbilled annually$150

Estimated total, before insurance$6,589/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,395/yr · $200/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).

Cost to own

Taxes & assessment

Last sold: $288,800 in July 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$153,000	$153,000	—
2024	$150,000	$121,000	—
2023	$110,000	$110,000	—
2022	$39,200	$39,200	—

2025 property taxes (current owner): $2,395/yr

Estimated taxes if purchased at asking price: ~$15,900/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.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: material not specified — year not disclosed (home built 2025)

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

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

Price & status history

Jan 1, 2026Listed$995,000

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

Features

Price$995,000

Price / Sq Ft$243

Bedrooms5

Bathrooms5.00

Full Baths4

Half Baths2

Square Footage4,090

Acres0.19 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighTocoi Creek

Community Information

Address40 Sparrow Creek Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionOak Grove

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,276.4 sq ft

Parcel Number0103610010

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Gated, Park, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral, Heat Pump

CoolingCentral Air, Zoned

# of Stories2

LevelsTwo

LaundryLower Level, Sink