This home is in St. Augustine.

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Pending

Pending·140 days on market

3640 Fort Peyton Circle

St. Augustine, FL 32086

$364,999$264/sqftEst. $1,861/moMLS# 2133384

Beds

Baths

1,381

Sq Ft

1985

Built

Garage

Pool

About this home

St. Augustine

Some homes you tour. This one you walk into and start planning where the couch goes. Walk in and you'll feel it. New flooring runs throughout the home, fresh paint inside and out, and everything has this clean, intentional energy that makes the place feel like yours before you've even moved a box in. The kitchen sets the tone with all-new soft-close cabinets, butcher block countertops that bring real warmth to the space, and new appliances ready for weeknight dinners or weekend projects. Both bathrooms have been fully renovated with modern finishes to match. At 1,381 square feet, the layout is bright, functional, and doesn't waste a room. Every update in this home was done with intention, and you can feel it the moment you walk through the door. Step outside to 0.35 acres in Fort Peyton Forest, a quiet, established neighborhood tucked off Wildwood Drive. There's a storage shed out back for tools, hobbies, or extra space, and plenty of yard to make your own.

Cost to own

Mortgage calculator

Home Price

$364,999

Down Payment: 20%

$73,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,861

Principal & Interest: $1,861

Property taxes (est.): $486

Insurance (est.): $243

Estimated Total Monthly

$2,590

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,861

Property taxesest. at asking price, St. Johns County$486

Estimated total, before insurance$2,347/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,128/yr · $94/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

Year	Market value	Taxable value	Change
2025	$285,726	$46,945	—
2024	$279,223	$44,914	—
2023	$289,513	$42,150	—
2022	$257,988	$39,466	—
2021	$148,042	$36,860	—
2020	$148,581	$35,661	—

2025 property taxes (current owner): $1,128/yr

Estimated taxes if purchased at asking price: ~$5,800/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.