This home is in Beacon Lake, St. Augustine.
Sold·Closed Jul 24, 2026·110 days on market·Recent sales in Beacon Lake·Beacon Lake
186 Concave Lane
St. Augustine, FL 32095
19 more homes for sale in Beacon Lake →Search Beacon Lake on the map
About this home
Beacon Lake
Located on a quiet cul-de-sac in the highly desirable Beacon Lake community, 186 Concave Ln offers beautifully designed living just moments from the neighborhood's resort-style amenity center. This thoughtfully upgraded 3-bedroom, 2-bath home blends modern finishes with an open, inviting layout perfect for both everyday living & entertaining. Inside, you'll find warm wood flooring, elegant tray ceilings, and abundant natural light throughout the main living areas. The spacious living room features a striking floor-to-ceiling shiplap fireplace accented with a reclaimed wood mantle & custom wall details, creating a stylish focal point. The chef-inspired kitchen is designed to impress with a large quartz island, gas range, herringbone tile backsplash, designer lighting, & generous cabinet space. The open-concept design allows the kitchen to flow seamlessly into the dining and living spaces. All the bedrooms feature designer finishes throughout, custom wainscoting, accent walls & detailed
Next steps in Beacon Lake
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,777 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.
Cost to own
Taxes & assessment
Last sold: $525,000 in June 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $421,236 | $421,236 | — |
| 2024 | $417,669 | $417,669 | — |
| 2023 | $392,357 | $211,041 | — |
| 2022 | $345,227 | $203,438 | — |
| 2021 | $273,516 | $196,056 | — |
| 2020 | $260,346 | $192,659 | — |
2025 property taxes (current owner): $8,865/yr
Estimated taxes if purchased at asking price: ~$7,200/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
- Jul 26, 2026Closed$459,900
- Jul 13, 2026Pending$459,900
- May 25, 2026Listed$459,900
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 $226/sq ft; this home is listed at $247/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 95 Strobe Court, St. Augustine, FL 32095Listed by SUPER SELLER | Aug 2026 | $495,000 | $213 | 3/2.5 | 2,326 | 36 | 0.1 |
| 100 Leclerc Court, St. Augustine, FL 32095Listed by CASTILLO REAL ESTATE JAX | Sep 2026 | $490,000 | $250 | 4/2 | 1,963 | 87 | 0.2 |
| 204 Silver Creek Place, St. Augustine, FL 32095Listed by EXP REALTY LLC | Sep 2026 | $530,000 | $233 | 4/2.5 | 2,270 | 125 | 0.5 |
| 65 Stargaze Lane, St. Augustine, FL 32095Listed by BLUEFIN REAL ESTATE GROUP | Sep 2026 | $525,000 | $226 | 3/2.5 | 2,328 | 25 | 1 |
| 72 Clifton Bay Loop, St. Johns, FL 32259Listed by LOKATION | Aug 2026 | $395,000 | $208 | 4/2.5 | 1,895 | 144 | 1.1 |
| 57 Clifton Bay Loop, St. Johns, FL 32259Listed by COASTAL REALTY OF NE FLORIDA, LLC | Aug 2026 | $484,000 | $214 | 4/3.5 | 2,265 | 34 | 1.1 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
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 Beacon Lake
Beacon Lake is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.
View all Beacon Lake homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 24, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ 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
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