This home is in St. Augustine.

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Active

Active·99 days on market

8105 Colee Cove Road

St. Augustine, FL 32092

$209,000$189/sqftEst. $1,112/moMLS# 2138979

Beds

Baths

1,104

Sq Ft

1988

Built

—

Garage

Pool

About this home

St. Augustine

***OPEN HOUSE THIS SUNDAY 12-2P*** Canal-front property with access to the St. Johns River and a recent price improvement. Set beneath mature trees, this 3-bedroom, 2-bath home offers a natural setting, extra outdoor space, and flexibility that can be hard to find in this price range. The property backs to a canal that leads toward the St. Johns River, creating a peaceful backdrop for kayaking, canoeing, jon boats, or simply enjoying the outdoors. With room for boats, trailers, equipment, or future improvements, the land is one of the strongest features of this property. Inside, the home offers a functional layout that can be used now, updated over time, or reimagined to fit your plans. Important updates include a roof replacement in 2020 and a water heater that is approximately five years old. The property is serviced by an artesian well with aerator and strong water pressure, along with a 750-gallon septic system.

Cost to own

Mortgage calculator

Home Price

$209,000

Down Payment: 20%

$41,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,062

Principal & Interest: $1,062

Est. Taxes & Insurance: $266

Estimated Total Monthly

$1,328

*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$1,112

Property taxesest. at asking price, St. Johns County$278

Estimated total, before insurance$1,390/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

Year	Market value	Taxable value	Change
2025	$127,360	$68,814	—
2024	$93,642	$62,558	▲ $4,362
2023	$75,711	$56,871	—
2022	$70,570	$51,701	—
2021	$58,414	$47,001	—
2020	$42,728	$42,728	—

2025 property taxes (current owner): $1,628/yr

Estimated taxes if purchased at asking price: ~$3,300/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1988)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,308 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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 8, 2026Listed$209,000

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

Features

Price$209,000

Price / Sq Ft$189

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,104

Total Structure Area1,264 sq ft

Acres0.26 acres

Year Built1988

TypeResidential

Sub-TypeMobile Home

StyleRanch, Traditional

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontYes

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address8105 Colee Cove Road, St. Augustine, FL 32092

Area303-Palmo/Six Mile Area

SubdivisionColee Cove Estates

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size11,325.6 sq ft

Parcel Number0150000180

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPrivate Sewer, Septic Tank

Water SourcePrivate, Well

ParkingAdditional Parking

ViewCanal, Trees/Woods

Waterfront TypeCanal Front, Creek

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s)

AppliancesGas Range, Refrigerator

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecurityOther