This home is in Morgans Cove, St. Augustine.

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Active·91 days on market·Morgans Cove

571 Morgans Treasure Road

St. Augustine, FL 32084

$354,900$207/sqftEst. $1,889/moMLS# 2140154

Beds

Baths

1,711

Sq Ft

2022

Built

Garage

Pool

About this home

Morgans Cove

NEW PRICE! $354,900 - Motivated Seller - Also OFFERING 1% towards buyers closing costs! This home is a RARE combination of CONVENIENCE and PRIVACY in Morgan's Cove. A home that offers the benefit of new construction without the wait or added expenses! Ideally located at the front of the neighborhood, this property offers quick and easy access in and out of the community, making everyday living just a little simpler. What truly sets this home apart is the added sense of space with no future buildable lot next door, creating a more open and private setting that is hard to find in the neighborhood or any neighborhood really.Inside, the layout is functional and inviting, with open living spaces that flow comfortably for both daily life and entertaining. The kitchen is centrally located and connects seamlessly to the main living area, while the bedrooms provide flexibility.

Cost to own

Mortgage calculator

Home Price

$354,900

Down Payment: 20%

$70,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,804

Principal & Interest: $1,804

Est. Taxes & Insurance: $451

Estimated Total Monthly

$2,255

*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$1,889

Property taxesest. at asking price, St. Johns County$472

HOAbilled annually$31

Estimated total, before insurance$2,392/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

Last sold: $331,436 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$315,595	$262,539	—
2024	$302,674	$252,227	—
2023	$293,424	$243,424	—
2022	$67,200	$67,200	—

2025 property taxes (current owner): $4,046/yr

Estimated taxes if purchased at asking price: ~$5,700/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: material not specified — 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 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