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 Las Calinas, St. Augustine — a home near Allen D. Nease High School.

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Active

Active·139 days on market·Las Calinas

765 Los Caminos Street

St. Augustine, FL 32095

$629,900$226/sqftEst. $3,238/moMLS# 2139707

Beds

Baths

2,782

Sq Ft

2011

Built

Garage

Yes

Pool

About this home

Las Calinas

POOL HOME | NO CDD FEES | A-RATED ST. JOHNS COUNTY SCHOOLS | 3-CAR GARAGE | 4 BEDROOMS | 3 FULL BATHS | NEW ROOF PRIOR TO CLOSING WITH ACCEPTABLE OFFER! Welcome to your Florida dream home in the highly sought-after Las Calinas community! This beautifully maintained 4-bedroom, 3-bathroom pool home offers everything today's buyers are looking for--NO CDD fees, low HOA dues, top-rated St. Johns County schools, a 3-car garage, and a private saltwater pool and spa. Built with durable concrete block construction, this spacious one-story ranch-style home combines comfort, functionality, and exceptional indoor-outdoor living. From the moment you arrive, you'll appreciate the home's curb appeal, fresh exterior paint, and well-maintained condition. Step outside to your own backyard oasis featuring a screened paver lanai, sparkling saltwater pool, and relaxing spa--perfect for entertaining, weekend gatherings, or simply enjoying the Florida lifestyle year-round. Inside, the flexible open floor

Cost to own

Mortgage calculator

Home Price

$629,900

Down Payment: 20%

$125,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,238

Principal & Interest: $3,238

Property taxes (est.): $838

Insurance (est.): $420

Estimated Total Monthly

$4,496

*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$3,238

Property taxesest. at asking price, St. Johns County$838

HOAbilled annually$48

Estimated total, before insurance$4,124/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,000/yr · $333/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	$513,888	$260,233	—
2024	$517,765	$252,191	—
2023	$502,555	$243,389	—
2022	$471,069	$234,844	—
2021	$352,176	$226,548	—
2020	$325,227	$222,730	—

2025 property taxes (current owner): $4,000/yr

Estimated taxes if purchased at asking price: ~$10,100/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 2011)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,720 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

Aug 25, 2026Active$629,900
Aug 17, 2026Active Under Contract$629,900
Apr 13, 2026Listed$629,900

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

Features

Price$629,900

Price / Sq Ft$226

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,782

Acres0.28 acres

Year Built2011

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Salt Water, Screen Enclosure

Is WaterfrontYes

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address765 Los Caminos Street, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionLas Calinas

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size12,196.8 sq ft

Lot Dimensions52x114x71x70x139

Parcel Number0716230210

ZoningResidential

Amenities

AmenitiesBasketball Court, Playground, Tennis Court(s)

UtilitiesCable Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit

Spa FeaturesIn Ground, Heated