This home is in St. Augustine — a waterfront home in St. Johns County.
Active·194 days on market
5713 Crosswinds Circle
St. Augustine, FL 32092
About this home
St. Augustine
Custom built in 2019 by the current owner, this exceptional two-story riverfront estate offers refined luxury along the St. Johns River, perfectly designed for multi-generational living.Thoughtfully crafted with high-end finishes throughout including an elevator. The main residence features a stunning second-floor primary retreat complete with a private library, spa-inspired bath, two oversized walk-in closets and covered outdoor terrace. The chef's kitchen showcases top-of-the-line appliances, a generous island with breakfast bar, and a dining area that flows seamlessly into the expansive great room ideal for entertaining. Smart home technology enhances every room, allowing you to enjoy your favorite music indoors and out. An elevator in the grand foyer provides access to the second floor. First floor includes a secondary bedroom suite currently serving as a gym. Energy efficient with 78 solar panels providing unbelievable LOW summer & winter utility bills.A full house generator.
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, 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,795,358 | $1,380,196 | — |
| 2025 | $14,889 | $0 | — |
| 2024 | $1,764,854 | $1,340,591 | — |
| 2024 | $16,225 | $0 | ▼ $583 |
| 2023 | $1,771,799 | $1,300,088 | — |
| 2023 | $18,202 | $0 | — |
| 2022 | $1,543,180 | $1,260,765 | — |
| 2022 | $22,331 | $0 | — |
| 2021 | $1,272,587 | $1,222,587 | — |
| 2021 | $16,339 | $0 | — |
| 2020 | $1,271,005 | $1,221,005 | ▲ $186,662 |
| 2020 | $16,819 | $0 | — |
2025 property taxes (current owner): $19,085/yr
Estimated taxes if purchased at asking price: ~$46,300/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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,661 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 homeAs 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
- Aug 10, 2026Price change$2,900,000−$109,000
- Feb 17, 2026Listed$3,009,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
Similar homes in St. Augustine
Explore the area
More in Southern St. Johns County
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines