This home is in St Augustine South, St. Augustine.
Active·240 days on market·St Augustine South
460 Lobelia Road
St. Augustine, FL 32086
16 more homes for sale in St Augustine South →Search St Augustine South on the map
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About this home
St Augustine South
Interest rates got you down? OWNER FINANCING AVAILABLE! NO HOA! This home features a spacious open living/dining room home, granite countertops & tiled bathrooms. New roof in 2022, new hot water heater in 2026, updated electrical and plumbing and luxury vinyl flooring. Large backyard with pavers and a storage shed. Enjoy peaceful walks with views of the marsh, local parks and boat ramps.
Next steps in St Augustine South
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — 2022 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Septic system (public record) · Public water · St Johns County Utilities - water accounts
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: ~1,443 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 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.
Cost to own
Taxes & assessment
Last sold: $400,000 in September 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $316,152 | $316,152 | — |
| 2024 | $309,113 | $309,113 | — |
| 2023 | $314,295 | $314,295 | — |
| 2022 | $282,638 | $71,959 | — |
| 2021 | $197,474 | $68,407 | — |
| 2020 | $176,411 | $66,772 | — |
2025 property taxes (current owner): $4,632/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.
History
Price & status history
- Sep 1, 2026Price change$479,000−$20,000
- Jul 17, 2026Price change$499,000−$20,900
- Feb 17, 2026Listed$519,900
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 $248/sq ft; this home is listed at $282/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 907 Queen Road, St. Augustine, FL 32086Listed by ENDLESS SUMMER REALTY | Sep 2026 | $535,000 | $374 | 3/2 | 1,429 | 46 | 0.3 |
| 369 Orchis Road, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Sep 2026 | $315,000 | $223 | 2/2 | 1,412 | 41 | 0.3 |
| 361 Orchis Road, St. Augustine, FL 32086Listed by US REALTY HUB | Jul 2026 | $405,000 | $289 | 3/2 | 1,400 | 147 | 0.3 |
| 320 Lobelia Road, St. Augustine, FL 32086Listed by OCEAN ELEVEN REALTY | Sep 2026 | $273,000 | $190 | 3/2 | 1,434 | 91 | 0.5 |
| 4010 Barbara Terrace, St. Augustine, FL 32086Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $415,000 | $248 | 3/2 | 1,676 | 9 | 0.7 |
| 102 Alicante Road, St. Augustine, FL 32086Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Jul 2026 | $335,000 | $195 | 3/2 | 1,722 | 101 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: US REALTY HUB
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.
The neighborhood
About St Augustine South
St Augustine South is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.
View all St Augustine South homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines