This home is in St. Augustine.

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Active

Active·119 days on market

221 Dartmouth Road

St. Augustine, FL 32086

$475,000$356/sqftEst. $2,528/moMLS# 2135417

Beds

Baths

1,334

Sq Ft

2025

Built

Garage

Pool

About this home

St. Augustine

Brand NEW Construction This beautifully designed 3-bedroom, 2-bath home offers 1,330 sq ft of bright, open living space with clean lines and quality finishes throughout. The open-concept layout seamlessly connects the kitchen, dining, and living areas--perfect for everyday living and effortless entertaining. The stylish kitchen features white shaker cabinetry, quartz countertops, and luxury vinyl plank flooring. Large sliding glass doors lead to a screened-in back porch overlooking the fully fenced backyard, providing the perfect indoor-outdoor living space for relaxing or hosting guests. Additional highlights include plantation shutters in every room, a spacious 2-car garage, and washer and dryer included for added convenience. The private primary suite offers a walk-in closet and en-suite bath, creating a comfortable retreat. Thoughtfully designed with today's lifestyle in mind, this home combines modern finishes, functional design, and low-maintenance living in a beautiful new build

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,399

Principal & Interest: $2,399

Est. Taxes & Insurance: $600

Estimated Total Monthly

$2,999

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$2,528

Property taxesest. at asking price, St. Johns County$632

Estimated total, before insurance$3,160/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

Year	Market value	Taxable value	Change
2025	$107,040	$72,810	—
2024	$107,040	$66,191	—
2023	$107,040	$60,174	—
2022	$71,680	$54,704	—
2021	$58,000	$49,731	—
2020	$49,760	$45,210	—

Estimated taxes if purchased at asking price: ~$7,600/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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 2025)

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

Solar potential: ~1,630 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