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 St. Augustine — a waterfront home in St. Johns County.

1 / 46

Active

Active·144 days on market

8105 Colee Cove Road

St. Augustine, FL 32092

$209,000$189/sqftEst. $1,074/moMLS# 2138979

Beds

Baths

1,104

Sq Ft

1988

Built

—

Garage

Pool

About this home

St. Augustine

This one is about the PROPERTY! Water access, mature trees, outdoor space and the opportunity to enjoy the St. Johns River lifestyle at a price point that is increasingly difficult to find. Tucked beneath a canopy of mature trees, this property backs to a natural canal with access toward the St. Johns River. Bring the kayak, canoe or jon boat and imagine weekends spent exploring North Florida's waterways, fishing, relaxing outdoors or simply enjoying the peaceful setting. There is room for boats, trailers and recreational equipment, with possibilities for additional outdoor improvements. Buyers interested in adding a dock or other waterfront improvements should verify applicable permitting and approvals. The existing 3-bedroom, 2-bath home offers 1,104 square feet with a wood-burning fireplace, dedicated dining room, additional dining area in the kitchen and a covered front porch. Enjoy it now, update it over time, or bring your own vision for the property.

Cost to own

Mortgage calculator

Home Price

$209,000

Down Payment: 20%

$41,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,074

Principal & Interest: $1,074

Property taxes (est.): $278

Insurance (est.): $139

Estimated Total Monthly

$1,492

*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$1,074

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

Estimated total, before insurance$1,353/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,628/yr · $136/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	$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

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 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