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 Beacon Lake, St. Augustine — a home near Allen D. Nease High School.

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Active

Active·178 days on market·Beacon Lake

287 Tamar Court

St. Augustine, FL 32095

$359,000$201/sqftEst. $1,846/moMLS# 2133104

Beds

Baths

1,789

Sq Ft

2020

Built

Garage

Pool

About this home

Beacon Lake

LIVE THE BEACON LAKE LIFESTYLE... FOR LESS! Welcome to one of the LOWEST-PRICED TOWNHOMES currently available in highly sought-after Beacon Lake--offering an incredible opportunity to enjoy one of St. Johns County's premier master-planned communities without compromising on comfort, style, or convenience. This thoughtfully designed home features one of the community's most desirable floor plans with a FIRST-FLOOR PRIMARY SUITE, providing everyday convenience and privacy. The bright, open-concept layout is perfect for entertaining, with a spacious kitchen overlooking the living and dining areas, abundant natural light, and a covered lanai for relaxing outdoors. Upstairs, you'll find two additional bedrooms, a full bath, and a versatile loft that makes an ideal home office, media room, play area, or second living space. A TWO-CAR GARAGE provides plenty of storage and parking--a feature that sets this home apart.

Cost to own

Mortgage calculator

Home Price

$359,000

Down Payment: 20%

$71,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,846

Principal & Interest: $1,846

Property taxes (est.): $478

Insurance (est.): $239

Estimated Total Monthly

$2,563

*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$1,846

Property taxesest. at asking price, St. Johns County$478

HOAbilled quarterly$150

Estimated total, before insurance$2,473/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$336,053	$119,269	—
2024	$346,668	$115,059	—
2023	$320,556	$110,106	—
2022	$284,674	$109,797	—
2021	$226,731	$105,128	—
2020	$42,000	$42,000	—

Estimated taxes if purchased at asking price: ~$5,700/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.

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: ~1,781 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.

History

Price & status history

Mar 4, 2026Listed$359,000

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

Features

Price$359,000

Price / Sq Ft$201

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,789

Acres0.07 acres

Year Built2020

TypeResidential

Sub-TypeTownhouse

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighAllen D. Nease

Community Information

Address287 Tamar Court, St. Augustine, FL 32095

Area304- 210 South

SubdivisionBeacon Lake Townhomes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size3,049.2 sq ft

Parcel Number0237220930

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Maintenance Grounds, Park, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

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

AppliancesDishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

SecuritySecurity System Owned, Smoke Detector(s)