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 South Hampton, St. Augustine — a home near Bartram Trail High School.

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Active

Active·108 days on market·South Hampton

1015 Garrison Drive

St. Augustine, FL 32092

$542,500$230/sqftEst. $2,789/moMLS# 2137336

Beds

Baths

2,355

Sq Ft

2001

Built

Garage

Pool

About this home

South Hampton

⛳ Golf Course Luxury with NO CDD Fees! MOVE-IN READY: Roof just 6 years old; HVAC just 2 years old. Live the ultimate Florida lifestyle on the 13th Fairway in the highly coveted South Hampton community! This stunning 4BR/3BA residence blends peace of mind with premium outdoor living. Backyard Oasis: Fenced yard, pavered lanai, scenic golf views, and a unique ''cocktail'' tree producing fresh lime, grapefruit, and lemon! Stunning Interior: 12' ceilings, crown molding, and gorgeous wood floors. Flexible Layout: Downstairs Primary Suite with private lanai access, plus a massive upstairs Bonus Room with a full bath (perfect for a guest suite or theater). Gourmet Kitchen: Light-filled with stone backsplash & SS appliances. A prime St. Johns County location off CR210, this home offers unmatched value. 📅 Schedule your private tour today!

Cost to own

Mortgage calculator

Home Price

$542,500

Down Payment: 20%

$108,500

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,789

Principal & Interest: $2,789

Property taxes (est.): $722

Insurance (est.): $362

Estimated Total Monthly

$3,873

*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$2,789

Property taxesest. at asking price, St. Johns County$722

HOAbilled semi-annually$98

Estimated total, before insurance$3,608/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,760/yr · $313/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

Year	Market value	Taxable value	Change
2025	$450,165	$242,376	—
2024	$447,782	$234,838	—
2023	$444,778	$226,542	—
2022	$426,650	$218,487	—
2021	$329,459	$210,667	—
2020	$295,202	$207,068	—

2025 property taxes (current owner): $3,760/yr

Estimated taxes if purchased at asking price: ~$8,700/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 2001)

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

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,739 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 27, 2026Price change$542,500−$2,500
Jul 16, 2026Price change$545,000−$2,000
Jul 10, 2026Price change$547,000−$900
May 13, 2026Listed$547,900

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

Features

Price$542,500

Price / Sq Ft$230

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,355

Acres0.20 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address1015 Garrison Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionSouth Hampton

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,712 sq ft

Parcel Number0099721960

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Golf Course, Playground, RV/Boat Storage, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, RV Access/Parking

ViewGolf Course

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric, Propane

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup