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This home is in Grand Oaks, St. Augustine.

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Active

Active·44 days on market·Grand Oaks

165 Myrtle Oak Court

St. Augustine, FL 32092

$730,000$224/sqftEst. $3,765/moMLS# 2138631

Beds

Baths

3,266

Sq Ft

2021

Built

Garage

Pool

About this home

Grand Oaks

Beautiful Pulte Yorkshire on a peaceful preserve lot in sunny St. Augustine offers exceptional functionality in a lovely setting. Thoughtfully designed open floor plan with dining/flex space & eat-in café. True gourmet kitchen equipped w/ maple cabinetry, quartz countertops & premium KitchenAid pro-grade appliance suite, canopy vent hood, large capacity French Door refrigerator & white granite kitchen basin. Private 1st-floor guest suite w/ full bath &walk-in closet. Upstairs laundry w/ utility tub, high-capacity washer & gas dryer. Privacy & light-filtering window treatments throughout. Abundant storage, walk-in closets &pantry, under-stair storage & 3-car tandem garage w/ epoxy floors. Features include tankless gas water heater, water softener pre-plumb, CAT6 pre-wire, dual HVAC systems &retrofit Grohe rain shower in Master. Screened lanai w/ gas hookup overlooks fenced backyard oasis-located 10 miles from Historic Downtown-3 miles from I-95-served by St Johns County School District.

Cost to own

Mortgage calculator

Home Price

$730,000

Down Payment: 20%

$146,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,765

Principal & Interest: $3,765

Property taxes (est.): $971

Insurance (est.): $487

Estimated Total Monthly

$5,223

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,765

Property taxesest. at asking price, St. Johns County$971

HOAbilled monthly$7

Estimated total, before insurance$4,743/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,027/yr · $502/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	$511,221	$454,181	—
2024	$515,595	$440,673	—
2023	$485,395	$426,382	—
2022	$462,507	$412,507	—
2021	$40,000	$40,000	—

2025 property taxes (current owner): $6,027/yr

Estimated taxes if purchased at asking price: ~$11,700/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 2021)

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

Solar potential: ~1,794 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