This home is in Beacon Lake, St. Augustine — a home near Creekside High School.
Sold·Closed Jul 7, 2026·37 days on market·Recent sales in Beacon Lake·Beacon Lake
197 Charlie Way
St. Augustine, FL 32095
2 more homes for sale in Beacon Lake →Search Beacon Lake on the map
About this home
Beacon Lake
One-level, end-unit townhome with no one above you, offering privacy, comfort, and an abundance of natural light in the highly sought-after Beacon Lake community. This 3-bedroom, 2-bath home features a versatile 3-way split floorplan, giving you the flexibility to create spaces that fit your lifestyle--whether it's a home office, guest retreat, or personal sanctuary. Designed for both everyday living and entertaining, the home showcases LVP flooring and a chef-style kitchen open to the great room, complete with a gas cooktop, quartz countertops, double oven, crown-molded cabinetry, and updated lighting. The open layout flows effortlessly into the living space, creating a warm, inviting atmosphere. Large windows fill the home with soft natural light and frame peaceful preserve views. Enjoy seamless indoor-outdoor living with hideaway sliding glass doors leading to a covered, screened lanai--perfect for relaxing mornings or cozy evenings. The spacious backyard offers room for
Next steps in Beacon Lake
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,641 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 homeAs 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.
Cost to own
Taxes & assessment
Last sold: $419,900 in October 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $307,969 | $307,969 | — |
| 2024 | $317,115 | $317,115 | — |
| 2023 | $291,710 | $291,710 | — |
| 2022 | $61,600 | $50,820 | — |
| 2021 | $55,000 | $46,200 | — |
| 2020 | $42,000 | $42,000 | — |
2025 property taxes (current owner): $7,023/yr
Estimated taxes if purchased at asking price: ~$5,600/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.
History
Price & status history
- Jul 9, 2026Closed$359,000
- Apr 15, 2026Listed$359,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $212/sq ft; this home is listed at $259/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 44 Charlie Way, St. Augustine, FL 32095Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2026 | $392,500 | $283 | 3/2 | 1,388 | 16 | 0.1 |
| 371 Tamar Court, St. Augustine, FL 32095Listed by REAL BROKER LLC | Sep 2026 | $360,000 | $259 | 3/2 | 1,388 | 87 | 0.2 |
| 72 Vero Drive, St. Augustine, FL 32095Listed by COASTAL REALTY JAX | Oct 2026 | $289,900 | $193 | 3/2.5 | 1,502 | 69 | 0.7 |
| 201 Talulla Trail, St. Augustine, FL 32095Listed by EXP REALTY LLC | Sep 2026 | $253,500 | $210 | 2/2.5 | 1,210 | 106 | 0.7 |
| 223 Talulla Trail, St. Augustine, FL 32095Listed by EAGLES WORLD REALTY, INC | Jul 2026 | $255,000 | $211 | 2/2.5 | 1,210 | 113 | 0.7 |
| 211 Pasadena Drive, St. Augustine, FL 32095Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Sep 2026 | $256,000 | $212 | 2/2.5 | 1,210 | 12 | 0.8 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: LOKATION
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Beacon Lake
Beacon Lake is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 7, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines