This home is in St. Augustine — a home near St. Augustine High School.
Active·145 days on market
524 Horseshoe Road
St. Augustine, FL 32084
About this home
St. Augustine
Welcome to this charming sunny ranch-style home set on a spacious oversized lot featuring a welcoming circular drive & plenty of room to enjoy peaceful outdoor living. This inviting property offers 3 beds & 2 baths, thoughtfully designed w/comfort & functionality in mind. The home features a durable metal roof & an oversized garage with abundant workspace -- perfect for hobbies, storage, or projects. Enjoy relaxing mornings on the large covered front porch, or take advantage of the enclosed porch, ideal as a sunroom, home office, or flexible bonus space to suit your lifestyle. Situated in a quiet, peaceful neighborhood, the property offers privacy, open sunshine, and just the right amount of mature trees to create a serene setting while still feeling bright & open. The expansive lot provides room to garden, entertain, or simply enjoy the outdoors. A wonderful opportunity to own a comfortable home w/space to spread out, plenty of natural light & versatile living areas both inside & out!
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $326,516 | $130,866 | — |
| 2024 | $281,031 | $126,470 | — |
| 2023 | $243,813 | $121,330 | — |
| 2022 | $207,766 | $116,340 | — |
| 2021 | $162,013 | $111,495 | — |
| 2020 | $159,265 | $109,265 | — |
2025 property taxes (current owner): $2,265/yr
Estimated taxes if purchased at asking price: ~$6,900/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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Metal — year not disclosed (home built 1981)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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$429,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines