This home is in St. Augustine.

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Pending

Pending·85 days on market

5155 Stephen Colee Road

St. Augustine, FL 32092

$1,950,000$793/sqftEst. $10,379/moMLS# 2139734

Beds

Baths

2,458

Sq Ft

1933

Built

Garage

Pool

About this home

St. Augustine

Bring the horses to this turnkey equestrian's dream! A charming home and 6-stall horse barn w/ apartment on nearly 20 acres of high & dry property. Located in a desirable area of St. Johns County, enjoy the peace & quiet of farm living while being minutes away from shopping & dining. The home has been well maintained, with a split floor plan and beautifully remodeled kitchen. The screened-in porch creates a peaceful spot to enjoy your morning coffee. The thoughtfully designed barn includes separate tack & feed rooms, automatic waterers, walk out paddocks, a wash rack, and a half bathroom. The whole property is fenced and cross-fenced, and has an additional storage building. For those needing a place for guests, care-takers, or multi-generational living, the barn has a one bedroom apartment. On slow weekends, enjoy fishing in your stocked pond or unwind with a book under the gazebo. If you've been looking to live the farm life, this is a must see!

Cost to own

Mortgage calculator

Home Price

$1,950,000

Down Payment: 20%

$390,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$9,912

Principal & Interest: $9,912

Est. Taxes & Insurance: $2,478

Estimated Total Monthly

$12,390

*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$10,379

Property taxesest. at asking price, St. Johns County$2,595

Estimated total, before insurance$12,974/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	$1,008,623	$538,964	—
2025	$63,875	$63,875	▲ $4,081
2024	$960,854	$523,067	—
2024	$58,532	$58,532	▲ $3,308
2023	$694,551	$506,376	—
2023	$60,675	$6,806	—
2022	$653,375	$490,171	—
2022	$58,746	$5,880	—
2021	$544,310	$474,438	▲ $962
2021	$47,000	$4,981	▲ $3,628
2020	$537,805	$459,385	—
2020	$42,201	$4,568	—

2025 property taxes (current owner): $8,088/yr

Estimated taxes if purchased at asking price: ~$31,100/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1933)

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

Solar potential: ~1,760 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.