This home is in Bridgewater, St. Augustine.

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Active

Active·129 days on market·Bridgewater

98 Oarsman Crossing Drive

St. Augustine, FL 32095

$329,999$229/sqftEst. $1,756/moMLS# 2134038

Beds

Baths

1,442

Sq Ft

2022

Built

Garage

Pool

About this home

Bridgewater

Beautiful and well-maintained townhome built in 2022, located in a desirable community in St. Augustine, FL. This spacious two-story home features 2 bedrooms, 2.5 bathrooms, and a 1-car garage. The open-concept floor plan boasts a modern kitchen with stainless steel appliances, a breakfast bar, and ample cabinet space, flowing seamlessly into the living and dining areas--perfect for entertaining. Upstairs, the primary suite includes a walk-in closet and private bath, along with a second bedroom and full bath. Notable updates include elegant crown molding throughout. Enjoy low-maintenance living in a prime location close to shopping, dining, I-95, and top-rated St. Johns County schools. Perfect for first-time buyers, downsizers, or investors. Move-in ready and waiting for you!

Cost to own

Mortgage calculator

Home Price

$329,999

Down Payment: 20%

$66,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,677

Principal & Interest: $1,677

Est. Taxes & Insurance: $419

Estimated Total Monthly

$2,097

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,756

Property taxesest. at asking price, St. Johns County$439

HOAbilled monthly$66

Estimated total, before insurance$2,262/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

Last sold: $302,500 in December 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$260,252	$209,530	—
2024	$266,569	$216,569	—
2023	$266,569	$216,569	—
2022	$37,520	$37,520	—

Estimated taxes if purchased at asking price: ~$5,300/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 2022)

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

Septic system (public record) · Private well (public record)

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: ~1,502 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Mar 9, 2026Listed$329,999

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

Features

Price$329,999

Price / Sq Ft$229

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,442

Year Built2022

TypeResidential

Sub-TypeTownhouse

StyleOther

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address98 Oarsman Crossing Drive, St. Augustine, FL 32095

Area304- 210 South

SubdivisionBridgewater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0261010750

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Park

UtilitiesElectricity Available, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Microwave

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup