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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Pelican Reef, St. Augustine a waterfront home in St. Johns County.

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Active·167 days on market·Pelican Reef

125 Spoonbill Point Court

St. Augustine, FL 32080

$1,195,000$471/sqftEst. $6,144/moMLS# 2135029
5
Beds
4
Baths
2,537
Sq Ft
2026
Built
3
Garage
No
Pool

About this home

Pelican Reef

New construction in the gated waterfront community of Pelican Reef on Anastasia Island! This 5 bedroom, 4 bath home offers approximately 2,537 square feet of thoughtfully designed living space overlooking the neighborhood lake. Scheduled for completion at the end of May, the home features an open-concept floor plan ideal for both everyday living and entertaining. The spacious kitchen will include modern finishes, quality cabinetry, and a large island opening to the main living area. The primary suite offers a private retreat with a well-appointed bath and generous closet space. With five bedrooms and four full baths, the layout provides flexibility for guests, family, or a home office. Pelican Reef is a gated Intracoastal-front community offering a private marina, clubhouse, pool, tennis courts, and scenic walking areas. Conveniently located just minutes from the beaches of Anastasia Island, historic downtown St. Augustine, shopping, dining, and top-rated schools.

Cost to own

Mortgage calculator

$1,195,000
$239,000
Loan Term
Monthly Payment
$6,144
Principal & Interest: $6,144
Property taxes (est.): $1,590
Insurance (est.): $797
Estimated Total Monthly
$8,530
*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$6,144
Property taxesest. at asking price, St. Johns County$1,590
HOAbilled quarterly$160
Estimated total, before insurance$7,894/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,227/yr · $269/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: $149,000 in February 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$165,000$165,000
2024$150,000$150,000
2023$125,000$125,000
2022$140,000$140,000
2021$120,000$93,170
2020$120,000$84,700

2025 property taxes (current owner): $3,227/yr

Estimated taxes if purchased at asking price: ~$19,100/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Tile — year not disclosed (home built 2026)

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

Solar potential: ~1,685 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

  • Aug 19, 2026Price change$1,195,000$90,000
  • Aug 6, 2026Price change$1,285,000$10,000
  • Jul 9, 2026Price change$1,295,000$2,500
  • Mar 15, 2026Listed$1,297,500

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

Features

Price$1,195,000
Price / Sq Ft$471
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage2,537
Acres0.22 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleSpanish, Traditional
Property ConditionUnder Construction
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontYes
New ConstructionYes
Direction FacesSouth

Community Information

Address125 Spoonbill Point Court, St. Augustine, FL 32080
Area323-Davis Shores
SubdivisionPelican Reef
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32080
Lot Size9,583.2 sq ft
Parcel Number1585716100
ZoningResidential

Amenities

UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking
ViewLake, Water
Waterfront TypePond

Interior

AppliancesDishwasher
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo

Exterior

RoofTile
ConstructionStucco

Additional Information

Date ListedMarch 15, 2026
Days on Market158
HOA Fees$480 / Quarterly
HOA FrequencyQuarterly
HOA NameSovereign & Jacobs Property Management Companies,
Tax Amount$3,226.61
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

The neighborhood

About Pelican Reef

Pelican Reef is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32080.

View all Pelican Reef homes for sale →

Listing Courtesy of: REGION ATLANTIC REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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