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This home is in Murabella, St. Augustine — a waterfront home in St. Johns County.

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Active

Active·205 days on market·Murabella

1804 S Cappero Drive

St. Augustine, FL 32092

$715,000$230/sqftEst. $3,676/moMLS# 2128980

Beds

Baths

3,113

Sq Ft

2012

Built

Garage

Pool

About this home

Murabella

Step into refined elegance in this 4-bed, 2.5-bath home in the highly sought-after Murabella community. Designed with sophistication and comfort in mind, this home showcases formal living & dining spaces--perfect for hosting with style. A gourmet chef's kitchen with gleaming granite countertops, SS appliances, & a spacious eat-in bar. The kitchen flows into the family room, where natural light pours in. Beyond the screened porch, is a tranquil retreat overlooking a picturesque pond. The luxurious primary suite on the main level provides a private sanctuary complete with a spa-inspired bath featuring a soaking tub and separate shower. Upstairs, a versatile loft & 3 nice sized bedrooms for family or guests. Highlights include a spacious 3 car garage, lots of storage, & a laundry room. Residents enjoy access to exceptional resort-style amenities, $80/yr HOA fees. Near premier shopping, dining, and top-rated schools, this home offers an elevated lifestyle in an unbeatable location.

Cost to own

Mortgage calculator

Home Price

$715,000

Down Payment: 20%

$143,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,676

Principal & Interest: $3,676

Property taxes (est.): $951

Insurance (est.): $477

Estimated Total Monthly

$5,104

*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$3,676

Property taxesest. at asking price, St. Johns County$951

HOAbilled annually$7

Estimated total, before insurance$4,634/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,206/yr · $850/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: $587,500 in October 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$492,823	$492,823	—
2024	$515,360	$515,360	—
2023	$499,819	$499,819	—
2022	$468,488	$193,526	—
2021	$308,523	$186,433	—
2020	$285,123	$183,169	—

2025 property taxes (current owner): $10,206/yr

Estimated taxes if purchased at asking price: ~$11,400/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2012)

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

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: ~1,695 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

Feb 6, 2026Listed$715,000

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

Features

Price$715,000

Price / Sq Ft$230

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage3,113

Acres0.25 acres

Year Built2012

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Community Information

Address1804 S Cappero Drive, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionMurabella

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size10,890 sq ft

Parcel Number0286857390

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Water Connected

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond