This home is in St. Augustine.
Active·194 days on market
976 Deer Chase Drive
St. Augustine, FL 32086
About this home
St. Augustine
Cruise home to a neighborhood full of character, mature trees, and a peaceful setting that feels tucked away while still being close to everything St. Augustine has to offer. Located in Stonegate, this 3-bedroom, 2-bath home sits on an oversized lot with a backyard that offers endless possibilities. Step outside and imagine the lifestyle you could create. The backyard is a true blank canvas with room for multiple outdoor living spaces, a pool, garden beds, a fire pit area, playground, outdoor kitchen, or even space to store your boat or recreational toys. Whether you want to entertain, relax, garden, or design your own private outdoor retreat, this yard gives you the flexibility to make it your own. The fenced backyard and screened porch create the perfect starting point for enjoying Florida living year-round. Inside, the home features an open layout with split bedrooms, a fireplace, and an inviting kitchen designed for everyday living. Beyond the home it
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, 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $280,814 | $92,831 | — |
| 2024 | $279,115 | $89,507 | — |
| 2023 | $267,496 | $85,444 | — |
| 2022 | $247,336 | $81,499 | — |
| 2021 | $206,787 | $77,669 | — |
| 2020 | $196,237 | $75,906 | — |
2025 property taxes (current owner): $1,746/yr
Estimated taxes if purchased at asking price: ~$7,800/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: material not specified — year not disclosed (home built 2000)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts
County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,767 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 homeInformational 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
- Jan 3, 2026Listed$490,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ALL REAL ESTATE OPTIONS INC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
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