This home is in St. Augustine.

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Active

Active·110 days on market

521 Scrub Jay Drive

St. Augustine, FL 32092

$236,000$175/sqftEst. $1,203/moMLS# 2138841

Beds

Baths

1,346

Sq Ft

2006

Built

Garage

Pool

About this home

St. Augustine

Mortgage assumption opportunity available at 3.875% (buyer must qualify; assumption fee applies). Buyer incentive: Eligible buyers who obtain financing from our preferred lender may receive a lender credit equal to 1% of the loan amount, up to $7,500, to be applied to allowable closing costs, prepaid items, and/or interest-rate buydown. Beautifully updated townhome with A/C replaced in 2023! Features include new LVP flooring on the main level, newer carpet and pad upstairs. Kitchen offers stainless steel appliances. Spacious layout with 2 bedrooms upstairs, each with walk-in closets and private full baths, plus a convenient half bath downstairs. Primary bedroom includes water views. Enjoy a private fenced yard, attached garage with extra shelving, and additional storage in closets. Community improvements include recently painted buildings and new roofs. Located in a gated community

Cost to own

Mortgage calculator

Home Price

$236,000

Down Payment: 20%

$47,200

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,203

Principal & Interest: $1,203

Property taxes (est.): $314

Insurance (est.): $157

Estimated Total Monthly

$1,675

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,203

Property taxesest. at asking price, St. Johns County$314

HOAbilled monthly$210

Estimated total, before insurance$1,727/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,459/yr · $288/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

Last sold: $259,900 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$232,045	$232,045	—
2024	$237,403	$168,967	—
2023	$212,589	$162,589	—
2022	$180,993	$155,463	—
2021	$141,330	$141,330	—
2020	$130,964	$130,964	—

2025 property taxes (current owner): $3,459/yr

Estimated taxes if purchased at asking price: ~$3,800/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 2006)

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: ~1,759 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

Apr 7, 2026Listed$236,000

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

Features

Price$236,000

Price / Sq Ft$175

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,346

Acres0.05 acres

Year Built2006

TypeResidential

Sub-TypeTownhouse

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighBeachside

Community Information

Address521 Scrub Jay Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionGables At Wingfield

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size2,178 sq ft

Parcel Number0264480085

ZoningResidential

Amenities

AmenitiesPool, Dog Park

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage