This home is in Morgans Cove, St. Augustine.

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Active

Active·177 days on market·Morgans Cove

176 Falcon Ridge Road

St. Augustine, FL 32084

$365,000$203/sqftEst. $1,943/moMLS# 2125954

Beds

Baths

1,797

Sq Ft

2023

Built

Garage

Yes

Pool

About this home

Morgans Cove

Welcome to this well-maintained home in a desirable St. Augustine location, offering comfort, functionality, and thoughtful updates throughout. The interior features updated tile flooring, providing a clean, modern look that is both stylish and easy to maintain. The open and inviting layout is ideal for everyday living and entertaining. Step outside to enjoy the backyard retreat, complete with an above-ground pool that conveys with the property—Fully Fenced! Perfect for relaxing or hosting gatherings. The home is located in a community with a low HOA, adding to its overall appeal. Conveniently situated near shopping, dining, schools, and major roadways, with easy access to historic downtown St. Augustine and area beaches. This home presents a wonderful opportunity to enjoy Florida living with practical upgrades already in place.

Cost to own

Mortgage calculator

Home Price

$365,000

Down Payment: 20%

$73,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,855

Principal & Interest: $1,855

Est. Taxes & Insurance: $464

Estimated Total Monthly

$2,319

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,943

Property taxesest. at asking price, St. Johns County$486

HOAbilled annually$31

Estimated total, before insurance$2,460/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, 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

Last sold: $351,400 in March 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$325,019	$325,019	—
2024	$313,828	$313,828	—
2023	$60,750	$60,750	—
2022	$67,200	$67,200	—

2025 property taxes (current owner): $4,730/yr

Estimated taxes if purchased at asking price: ~$5,800/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: Shingle — year not disclosed (home built 2023)

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

Informational 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 20, 2026Listed$365,000

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

Features

Price$365,000

Price / Sq Ft$203

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,797

Acres0.16 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesAbove Ground, Fenced

Is WaterfrontNo

School Information

ElementaryOsceola

MiddleMurray

HighSt. Augustine

Community Information

Address176 Falcon Ridge Road, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionMorgans Cove

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size6,969.6 sq ft

Parcel Number0956011710

ZoningResidential

Amenities

AmenitiesPark, Playground

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewLake

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup