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 Pedro Menendez High School.

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Active

Active·207 days on market

561 Boxwood Place

St. Augustine, FL 32086

$399,900$248/sqftEst. $2,056/moMLS# 2128433

Beds

Baths

1,613

Sq Ft

1999

Built

Garage

Pool

About this home

St. Augustine

Elevated Southwood living with the updates buyers want. This beautifully maintained concrete block home offers move-in-ready comfort, thoughtful improvements, and easy low-maintenance living in gated Southwood. Featuring 2 bedrooms, 2 baths, plus a flexible bonus space that is used as a 3rd bedroom (non-conforming). The layout feels bright, comfortable, and practical. The enclosed Florida room adds approx. 120 sq ft and opens to a spacious composite deck, creating a peaceful indoor/outdoor retreat. Inside, enjoy new LVP flooring, fresh paint, updated lighting, and a refreshed kitchen with quartz counters, tile backsplash, and newer appliances. Major updates include roof 2022, HVAC/re-plumb 2017, water heater 2023, and water softener 2024. Community amenities include pool, tennis/pickleball, lawn care, irrigation, and an active social calendar. Polished, well cared for, and ready for easy Southwood living.

Cost to own

Mortgage calculator

Home Price

$399,900

Down Payment: 20%

$79,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,056

Principal & Interest: $2,056

Property taxes (est.): $532

Insurance (est.): $267

Estimated Total Monthly

$2,855

*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$2,056

Property taxesest. at asking price, St. Johns County$532

HOAbilled monthly$205

Estimated total, before insurance$2,793/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,892/yr · $324/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: $390,800 in November 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$302,945	$252,223	—
2024	$305,653	$305,653	—
2023	$291,771	$57,460	—
2022	$283,979	$57,228	—
2021	$190,620	$52,634	—
2020	$187,009	$50,520	—

2025 property taxes (current owner): $3,892/yr

Estimated taxes if purchased at asking price: ~$6,400/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 — 2022 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: ~1,737 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