This home is in Creekside, St. Augustine.

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Active Under Contract

Active Under Contract·148 days on market·Creekside

82 Tree Frog Way

St. Augustine, FL 32095

$475,000$211/sqftEst. $2,528/moMLS# 2130003

Beds

Baths

2,255

Sq Ft

2020

Built

Garage

Pool

About this home

Creekside

Incredible views, outstanding amenities, shopping and everything you will love that comes along with this beautiful 5 bedroom home in St. Johns County! ** 2026 property tax credit attached to this home- best price per sq ft value in the neighborhood! 5 bedroom home with 3 full bathrooms in St. Johns County with a LOW CDD fee of $108.98 a month! and a LOW HOA fee of $101.67 per month! Live the Lifestyle in this stunning 5 bedroom, 3.5 bath home with an additional second floor flex space, now on the market in Florida's top school district. Located in the highly sought after Twin Creeks at Creekside community in St. Johns County, this move in ready home has been immaculately maintained, and the pride of ownership shines throughout. This property truly offers it all, from location to upgrades, with close proximity to dining, shopping, and major highways, plus a rare fully fenced, pond view lot featuring a built in fire pit and extended paver patio, perfect for outdoor entertaining.

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,399

Principal & Interest: $2,399

Est. Taxes & Insurance: $600

Estimated Total Monthly

$2,999

*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$2,528

Property taxesest. at asking price, St. Johns County$632

HOAbilled quarterly$102

Estimated total, before insurance$3,262/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	$390,404	$0	—
2024	$401,559	$194,804	—
2023	$342,613	$112,604	—
2022	$334,558	$180,751	—
2021	$269,180	$174,030	—
2020	$70,000	$70,000	—

2025 property taxes (current owner): $1,696/yr

Estimated taxes if purchased at asking price: ~$7,600/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: Shingle — year not disclosed (home built 2020)

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

Solar potential: ~1,751 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

Price & status history

Feb 18, 2026Listed$475,000

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

Features

Price$475,000

Price / Sq Ft$211

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,255

Acres0.13 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address82 Tree Frog Way, St. Augustine, FL 32095

Area304- 210 South

SubdivisionCreekside

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size5,662.8 sq ft

Parcel Number0237135650

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Playground

UtilitiesNatural Gas Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringLaminate

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Lower Level, Washer Hookup