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 Entrada, St. Augustine — a home near St. Augustine High School.

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Active

Active·137 days on market·Entrada

231 Ardila Circle

St. Augustine, FL 32084

$375,000$202/sqftEst. $1,928/moMLS# 2140124

Beds

Baths

1,856

Sq Ft

2024

Built

Garage

Pool

About this home

Entrada

Welcome to this like-new home loaded with upgrades, ideally situated on an oversized cul-de-sac lot with peaceful wooded privacy in the backyard. This beautifully maintained Cali model offers the perfect blend of comfort and functionality with 4 spacious bedrooms, 2 bathrooms, and a 2-car garage in a highly desirable open-concept layout designed for modern living. Step outside to your own private retreat featuring a custom paver patio complete with a gazebo and firepit--perfect for entertaining guests or relaxing under the stars. Inside, enjoy the convenience of smart home technology including security, remote lock access, thermostat controls, smart light switches, & Ring cameras for added peace of mind. Located just a short drive from historic downtown St. Augustine and the area's beautiful beaches, this home offers the best of both convenience and lifestyle. Residents also enjoy exceptional community amenities: 2 pools, pickleball & basketball courts, fitness center & more!

Cost to own

Mortgage calculator

Home Price

$375,000

Down Payment: 20%

$75,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,928

Principal & Interest: $1,928

Property taxes (est.): $499

Insurance (est.): $250

Estimated Total Monthly

$2,677

*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$1,928

Property taxesest. at asking price, St. Johns County$499

HOAbilled annually$17

Estimated total, before insurance$2,444/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,695/yr · $558/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

Last sold: $353,000 in July 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$291,760	$241,038	—
2024	$70,000	$70,000	—

2025 property taxes (current owner): $6,695/yr

Estimated taxes if purchased at asking price: ~$6,000/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 2024)

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

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

Apr 16, 2026Listed$375,000

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

Features

Price$375,000

Price / Sq Ft$202

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,856

Acres0.24 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryWebster

MiddleMurray

HighSt. Augustine

Community Information

Address231 Ardila Circle, St. Augustine, FL 32084

Area337-Old Moultrie Rd/Wildwood

SubdivisionEntrada

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size10,454.4 sq ft

Parcel Number1011850310

Amenities

AmenitiesPool, Other, Basketball Court, Clubhouse, Dog Park, Fitness Center, Park, Pickleball, Playground

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySmoke Detector(s)