This home is in St. Augustine.
Active·139 days on market
124 Penny Brooke Lane
St. Augustine, FL 32092
About this home
St. Augustine
Creek-Front Gem with Endless Potential! Calling all water lovers, tinkerers, and visionaries! Tucked along a deep-water creek with direct access to the St. Johns River, this one-of-a-kind property is all about lifestyle, freedom, and opportunity. Launch your boat straight from your private ramp, and take advantage of the already-started boathouse/lift -- just waiting for your finishing touch to make it truly epic. When you're not on the water, retreat to the massive workshop -- ideal for projects, toys, tools, and everything in between. Recently pumped septic tank, brand-new hot water heater, and a propane stove ready to go. The home itself is a blank canvas -- no active heat and ready for updates -- making it the perfect opportunity for someone ready to roll up their sleeves and build something special. Whether you're looking for a weekend escape or a full-time waterfront retreat, this property delivers the bones, the location, and the lifestyle. ***Buyer to do all due-diligence!***
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 | $458,004 | $60,156 | — |
| 2024 | $450,536 | $57,753 | — |
| 2023 | $404,998 | $54,615 | — |
| 2022 | $319,315 | $51,568 | ▼ $23,184 |
| 2021 | $186,032 | $48,610 | — |
| 2020 | $187,274 | $47,249 | — |
2025 property taxes (current owner): $1,306/yr
Estimated taxes if purchased at asking price: ~$7,200/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: material not specified — year not disclosed (home built 1996)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Private well (public record)
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: ~1,477 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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
- Feb 27, 2026Listed$450,000
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: HERRON REAL ESTATE LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines