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 Entrada, St. Augustine — a home near St. Augustine High School.

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Active

Active·146 days on market·Entrada

981 Orellana Road

St. Augustine, FL 32084

$450,000$180/sqftEst. $2,313/moMLS# 2138679

Beds

Baths

2,503

Sq Ft

2024

Built

Garage

Pool

About this home

Entrada

PREMIUM WOODED LOT I WATER VIEWS | 5 BEDROOMS + LOFT | NO REAR NEIGHBORS! Relax in your private backyard with serene water views and a picturesque natural wooded backdrop. Located in highly sought-after St. Johns County, this beautifully designed home blends modern style, functional living, and peaceful privacy. The open-concept floor plan features a chef-inspired kitchen with quartz countertops, white shaker cabinetry, stainless steel appliances, gas range, pantry, and a large island overlooking the family room. Upstairs, the versatile loft is ideal for a media room, playroom, or home office. The oversized primary suite features a spa-inspired bath and expansive walk-in closet. A flexible main-level room~currently configured as a dining room~easily adapts as a home office or den, while the first-floor bedroom is perfect for guests or multi-generational living. Minutes from I-95, historic downtown St. Augustine, shopping, dining, and the beach! See it Soon

Cost to own

Mortgage calculator

Home Price

$450,000

Down Payment: 20%

$90,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,313

Principal & Interest: $2,313

Property taxes (est.): $599

Insurance (est.): $300

Estimated Total Monthly

$3,212

*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$2,313

Property taxesest. at asking price, St. Johns County$599

HOAbilled annually$17

Estimated total, before insurance$2,929/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,220/yr · $352/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	$70,000	$70,000	—

2025 property taxes (current owner): $4,220/yr

Estimated taxes if purchased at asking price: ~$7,200/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 2024)

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

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

Apr 6, 2026Listed$450,000

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

Features

Price$450,000

Price / Sq Ft$180

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,503

Acres0.26 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryWebster

MiddleMurray

HighSt. Augustine

Community Information

Address981 Orellana Road, St. Augustine, FL 32084

Area337-Old Moultrie Rd/Wildwood

SubdivisionEntrada

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size11,325.6 sq ft

Parcel Number1012860840

Amenities

AmenitiesPool, Basketball Court, Dog Park, Fitness Center, Pickleball, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyDoors, Windows

ParkingAttached, Garage

ViewPond, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDisposal, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Water Softener Rented

HeatingElectric

CoolingCentral Air

FlooringCarpet, Laminate

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)