This home is in Beacon Lake, St. Augustine.

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Active

Active·104 days on market·Beacon Lake

462 Stargaze Lane

St. Augustine, FL 32095

$610,000$244/sqftEst. $3,247/moMLS# 2138362

Beds

Baths

2,498

Sq Ft

2023

Built

Garage

Pool

About this home

Beacon Lake

Beautifully upgraded Vilano model situated on one of the community's larger preserve lots. Enjoy a spacious backyard featuring an extended lanai and private hot tub--plus ample room to add a pool. The thoughtfully designed floor plan includes a convenient downstairs guest suite with a full bath. A custom drop zone just off the garage is ideal for busy households. The kitchen is enhanced with a gas cooktop, separate oven and microwave, and a stylish backsplash. The family room offers a cozy fireplace accented by custom wood trim. Elevated finishes like oversized baseboards and detailed trim around doors and windows add elegance throughout the main level. Upstairs, the expansive primary suite features a spa-inspired bathroom. A large loft provides flexible space for a second living area, along with two additional bedrooms and a full bath with double sinks. Additional upgrades include a 240V Level 2 EV outlet in the garage, water softener, upgraded lighting laundry room cabinets

Cost to own

Mortgage calculator

Home Price

$610,000

Down Payment: 20%

$122,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,101

Principal & Interest: $3,101

Est. Taxes & Insurance: $775

Estimated Total Monthly

$3,876

*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$3,247

Property taxesest. at asking price, St. Johns County$812

HOAbilled annually$5

Estimated total, before insurance$4,064/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: $606,500 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$498,974	$448,252	—
2024	$497,293	$447,293	—
2023	$85,000	$85,000	—

2025 property taxes (current owner): $9,390/yr

Estimated taxes if purchased at asking price: ~$9,700/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 2023)

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

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

Apr 3, 2026Listed$610,000

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

Features

Price$610,000

Price / Sq Ft$244

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,498

Acres0.21 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address462 Stargaze Lane, St. Augustine, FL 32095

Area304- 210 South

SubdivisionBeacon Lake

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size9,147.6 sq ft

Parcel Number0237250540

Amenities

AmenitiesBasketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Park, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

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

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Gas Range, Microwave, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryUpper Level

Spa FeaturesHeated, Above Ground