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 Allen D. Nease High School.

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Active

Active·217 days on market

305 Island Landing Drive

St. Augustine, FL 32095

$595,000$423/sqftEst. $3,059/moMLS# 2125837

Beds

Baths

1,406

Sq Ft

1998

Built

Garage

Pool

About this home

St. Augustine

WATERFRONT. Exclusive access to the Atlantic Intracoastal Waterway via Casa Cola Creek. Includes 500+ ft. walkway to 200 Sq Ft. Dock with small boat launch ramp. Gorgeous setting for Redfish & Flounder fishing.Plus Manatee & Pink Spoonbill watching. WHAT A VIEW LOOKING SOUTHEAST !!! Home is concrete block construction with New South Windows installed in 2022 and roof in 2018. Newly painted exterior & interior.New landscape sod recentely installed. Same tiled floors thru-ought.Property includes lawn irrigation well providing very nice savings on water bill. Pre-wired family room for speakers. Beautiful Lanai was just re-screened Come enjoy the ultimate in privacy along with spectacular long views over the Intracoastal plus the sunrise along with boating and kayaking. Fishing poles included. Eagle Creek Association Pool included. Listing Realtor is related to the seller of record.

Cost to own

Mortgage calculator

Home Price

$595,000

Down Payment: 20%

$119,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,059

Principal & Interest: $3,059

Property taxes (est.): $792

Insurance (est.): $397

Estimated Total Monthly

$4,247

*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$3,059

Property taxesest. at asking price, St. Johns County$792

HOAbilled quarterly$62

Estimated total, before insurance$3,912/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,505/yr · $375/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: $410,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$347,185	$296,463	—
2024	$360,895	$310,895	—
2023	$354,712	$195,303	—
2022	$317,499	$188,158	—
2021	$244,222	$181,221	—
2020	$228,029	$178,029	—

2025 property taxes (current owner): $4,505/yr

Estimated taxes if purchased at asking price: ~$9,500/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 — 2018 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,700 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 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 24, 2026Listed$595,000

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

Features

Price$595,000

Price / Sq Ft$423

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,406

Acres0.27 acres

Year Built1998

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesNorth

School Information

ElementaryPalencia

MiddleSebastian

HighAllen D. Nease

Community Information

Address305 Island Landing Drive, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionEagle Creek

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size11,761.2 sq ft

Parcel Number0745312140

ZoningResidential

Amenities

AmenitiesPool, Maintenance Grounds, Management - Off Site

UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street

ViewIntracoastal, River, Water

Waterfront TypeIntracoastal, Navigable Water, Ocean Access

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Garage, Lower Level, Washer Hookup

Window FeaturesSkylight(s)

SecuritySmoke Detector(s)