This home is in St. Augustine.

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Active

Active·96 days on market

5301 Church Road

St. Augustine, FL 32092

$849,999$333/sqftEst. $4,524/moMLS# 2139358

Beds

Baths

2,556

Sq Ft

1977

Built

—

Garage

Pool

About this home

St. Augustine

Welcome to 5301 Church Road--a peaceful and private country retreat on just under 5 acres, offering the perfect blend of rural living and nearby city conveniences. This unique two-story home features 4 bedrooms and 3 bathrooms, complemented by multi-level decks and a brand-new expansive back porch overlooking a breathtaking canopy of mature trees--an ideal setting for relaxing, entertaining, or simply enjoying the quiet beauty of nature year-round. What truly sets this property apart is its flexibility and future potential. Zoned to allow for a family compound, the property permits additional buildings up to 75% of the primary residence--creating an incredible opportunity for multi-generational living, guest homes, workshops, or income-producing structures.

Cost to own

Mortgage calculator

Home Price

$849,999

Down Payment: 20%

$170,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,294

Principal & Interest: $4,294

Est. Taxes & Insurance: $1,073

Estimated Total Monthly

$5,367

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$4,524

Property taxesest. at asking price, St. Johns County$1,131

Estimated total, before insurance$5,655/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

Last sold: $580,000 in September 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$679,404	$328,612	—
2024	$482,333	$318,643	—
2023	$486,304	$307,906	—
2022	$408,345	$215,537	—
2021	$321,711	$207,803	—
2020	$356,212	$204,244	—

2025 property taxes (current owner): $4,921/yr

Estimated taxes if purchased at asking price: ~$13,600/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 F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: material not specified — year not disclosed (home built 1977)

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

Septic system (public record) · 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: ~1,569 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

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