This home is in St. Augustine.

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Active

Active·166 days on market

108 Aspen Road

St. Augustine, FL 32086

$489,000$367/sqftEst. $2,603/moMLS# 2127759

Beds

Baths

1,334

Sq Ft

2026

Built

Garage

Pool

About this home

St. Augustine

Brand NEW Construction! To be built by Alsop Construction Group, this 3-bedroom, 2-bathroom home offers 1,334 sq ft of well-designed living space. This home is bright, clean, and full of natural light! Step inside to an open-concept layout where the kitchen, dining, and living areas flow seamlessly together ideal for both everyday living and entertaining. Large sliding doors extend your living space to the covered outdoor patio, creating the perfect spot to relax and enjoy the fresh air. Highlights include luxury vinyl plank flooring in the main living areas, a spacious 2-car garage, and a modern kitchen with white shaker cabinets and quartz countertops. The private primary suite offers a walk-in closet and en-suite bath, while a covered patio provides space for year-round outdoor living. This home is thoughtfully designed for today's lifestyle offering a fresh, functional floor plan with modern finishes and spaces that fit the way you live!

Cost to own

Mortgage calculator

Home Price

$489,000

Down Payment: 20%

$97,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,470

Principal & Interest: $2,470

Est. Taxes & Insurance: $618

Estimated Total Monthly

$3,088

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$2,603

Property taxesest. at asking price, St. Johns County$651

Estimated total, before insurance$3,253/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

Year	Market value	Taxable value	Change
2025	$133,800	$133,800	—
2024	$133,800	$133,800	—
2023	$133,800	$75,220	—
2022	$89,600	$68,382	—
2021	$72,500	$62,165	—
2020	$62,200	$56,514	—

2025 property taxes (current owner): $1,819/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.

Hurricane evacuation zone C

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

Roof: Shingle — year not disclosed (home built 2026)

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

Likely septic · Public water · St Johns County Utilities - water accounts

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,679 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

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