This home is in St. Augustine.

1 / 44

Active

Active·93 days on market

6456 Jack Wright Island Road

St. Augustine, FL 32092

$550,000$256/sqftEst. $2,927/moMLS# 2139934

Beds

Baths

2,146

Sq Ft

1995

Built

Garage

Pool

About this home

St. Augustine

Spacious 3-bedroom, 2.5-bath home situated on over 1.5 acres of land, offering endless potential for renovation and customization. This property also features a detached garage with an additional 816 square foot apartment above with full kitchen and full bath--perfect for guest accommodations, rental income, or a private home office. With plenty of space both inside and out, this is a great opportunity for buyers looking to create their dream property. Bring your vision and make this unique property your own!

Cost to own

Mortgage calculator

Home Price

$550,000

Down Payment: 20%

$110,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,796

Principal & Interest: $2,796

Est. Taxes & Insurance: $699

Estimated Total Monthly

$3,494

*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$2,927

Property taxesest. at asking price, St. Johns County$732

Estimated total, before insurance$3,659/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	$369,337	$140,260	—
2024	$318,886	$135,600	—
2023	$322,994	$130,194	—
2022	$323,213	$124,946	—
2021	$232,026	$119,850	—
2020	$216,039	$117,505	—

2025 property taxes (current owner): $2,384/yr

Estimated taxes if purchased at asking price: ~$8,800/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 1995)

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: ~1,446 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 14, 2026Listed$550,000

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

Features

Price$550,000

Price / Sq Ft$256

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,146

Acres1.53 acres

Year Built1995

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address6456 Jack Wright Island Road, St. Augustine, FL 32092

Area302-Orangedale Area

SubdivisionRiverview Estates

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size66,646.8 sq ft

Parcel Number0128500360

ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingDetached, Garage

ViewRiver, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

# of Stories2