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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Active

Active·251 days on market

5532 Sunset Landing Circle

St. Augustine Beach, FL 32080

$1,675,000$726/sqftEst. $9,278/mo mortgageMLS# 2129248
↓ $25,000 below original list
4
Beds
3
Baths
2,308
Sq Ft
1989
Built
2
Garage
No
Pool
FEMA Zone AEHOA $29/mo11,326 sqft lotWaterfrontSingle Family Residence2 stories

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About this home

St. Augustine Beach

Rare deep-water access (ALL THE TIME) properties like this are becoming increasingly difficult to find along the Intracoastal waterways of St. Augustine. Designed for boaters and waterfront lifestyle enthusiasts, this 95' waterfront property features a private dock, boat lift, and protected deep-water access with quick entry to the Intracoastal for effortless days on the water. Cruise to waterfront restaurants, fish at sunrise, or enjoy sunset boat rides right from your backyard. Perfectly positioned for breathtaking western sunset views, the outdoor living spaces are ideal for entertaining, relaxing, and embracing the coastal lifestyle. Paddleboard, boat, or simply unwind as the sun reflects across the water each evening. Inside, the home offers comfortable living spaces ideal for full-time living or a second-home retreat, while the true highlight remains the rare combination of deep-water access, private dockage, boating convenience, and unforgettable sunsets.

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$9,278
Property taxesest. at asking price, St. Johns County$2,229
HOAbilled annually$29
Estimated total, before insurance$11,536/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$15,505/yr · $1,292/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,675,000
$335,000
Loan Term
Monthly Payment
$9,278
Principal & Interest: $9,278
Property taxes (est.): $2,229
Insurance (est.): $1,117
Estimated Total Monthly
$12,623
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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: Metal — year not disclosed (home built 1989)

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: ~1,815 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:29 AM, sunset 6:50 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$1,335,908$1,109,771—
2024$1,243,844$1,077,787—
2023$1,317,778$1,044,939—
2022$1,167,086$1,013,048—
2021$717,810$638,560—
2020$723,963$629,053—

2025 property taxes (current owner): $15,505/yr

Estimated taxes if purchased at asking price: ~$26,700/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.

History

Price & status history

  • Aug 25, 2026Price change$1,675,000−$25,000
  • Feb 9, 2026Listed$1,700,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $356/sq ft; this home is listed at $726/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
327 Micklers Road, St. Augustine, FL 32080Listed by REAL ESTATE ASSET DISPOSITION CORP.Sep 2026$1,002,000$3483/32,8831560.2
300 Riverside Boulevard, St. Augustine, FL 32080Listed by DJ & LINDSEY REAL ESTATEJun 2026$750,000$3383/2.52,2201840.2
5398 Soundview Avenue, St. Augustine, FL 32080Listed by LIGHTHOUSE REALTY ASSOCIATESOct 2026$703,500$3564/21,9751550.3
5401 Pelican Way, St. Augustine, FL 32080Listed by COMPASS FLORIDA LLCOct 2026$1,100,000$6513/31,69120.5
5497 Pelican Way, St. Augustine, FL 32080Listed by COLDWELL BANKER PREMIER PROPERTIESSep 2026$1,225,000$4824/42,54270.5
5900 Costanero Road, St. Augustine, FL 32080Listed by FIV REALTY CO FLORIDA LLCSep 2026$900,000$3183/3.52,8331040.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$1,675,000
Price / Sq Ft$726
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,308
Acres0.26 acres
Year Built1989
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesEast

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address5532 Sunset Landing Circle, St. Augustine Beach, FL 32080
Area331-St Augustine Beach
SubdivisionSunset Landing
CitySt. Augustine Beach
CountySt. Johns
StateFL
Zip Code32080
Lot Size11,325.6 sq ft
Parcel Number1827950090

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewIntracoastal

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringWood
# of Stories2
LevelsTwo

Exterior

Exterior FeaturesBalcony, Boat Lift, Boat Ramp - Private, Dock
Patio / PorchDeck, Front Porch, Rear Porch
FencingFenced
RoofMetal
ConstructionFrame

Additional Information

Date ListedFebruary 9, 2026
Days on Market236
HOA Fees$350 / Annually
HOA FrequencyAnnually
HOA NameSunset Landing
Tax Amount$15,505.19
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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