Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in St Augustine South, St. Augustine.

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Active

Active·193 days on market·St Augustine South

460 Lobelia Road

St. Augustine, FL 32086

$499,000$294/sqftEst. $2,565/moMLS# 2130530

Beds

Baths

1,698

Sq Ft

1978

Built

—

Garage

Pool

About this home

St Augustine South

Nestled in one of St. Augustine's most charming neighborhoods. This fantastic 4 bedroom, 2 bath home is less than a block away from the breathtaking Marsh views of the waterway. Two boat ramps located nearby for water enthusiasts. Fully furnished and ready for move-in, this house is the perfect short term rental for anyone looking to experience the charm and beauty of St. Augustine while enjoying all the comforts of home. With 4 bedrooms, a modern kitchen, and a cozy living area, this house is ideal for both relaxation and entertaining. Imagine waking up every morning to serene water views and ending each day with a spectacular sunrise over the marsh. Located in a peaceful neighborhood, you'll have easy access to nearby shopping, historic downtown and several beaches. Don't miss out on this incredible opportunity to live like a local in St. Augustine. Schedule a viewing today and make this eclectic retreat your new home sweet home! **Buyer to verify all measurements**

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,565

Principal & Interest: $2,565

Property taxes (est.): $664

Insurance (est.): $333

Estimated Total Monthly

$3,562

*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$2,565

Property taxesest. at asking price, St. Johns County$664

Estimated total, before insurance$3,229/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,172/yr · $348/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: $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	—

2024 property taxes (current owner): $4,172/yr

Estimated taxes if purchased at asking price: ~$8,000/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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 1978)

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

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 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