Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in St Augustine South, St. Augustine — a new construction home in St. Johns County.

1 / 33

Active

Active·164 days on market·St Augustine South

221 Dartmouth Road

St. Augustine, FL 32086

$475,000$356/sqftEst. $2,442/moMLS# 2135417

Beds

Baths

1,334

Sq Ft

2025

Built

Garage

Pool

About this home

St Augustine South

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: 6.66%

Loan Term

Monthly Payment

$2,442

Principal & Interest: $2,442

Property taxes (est.): $632

Insurance (est.): $317

Estimated Total Monthly

$3,391

*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$2,442

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

Estimated total, before insurance$3,074/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.

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

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