This home is in Morgans Cove, St. Augustine.

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Active

Active·91 days on market·Morgans Cove

430 Falcon Ridge Road

St. Augustine, FL 32084

$340,000$228/sqftEst. $1,810/moMLS# 2140466

Beds

Baths

1,488

Sq Ft

2022

Built

Garage

Pool

About this home

Morgans Cove

Welcome to your next home in the desirable Morgan's Cove community! Nestled in a quiet, well-established neighborhood, this property offers the perfect blend of comfort, functionality, and location. Step inside to discover a beautifully designed open-concept layout, where the spacious kitchen seamlessly flows into the main living area, deal for both everyday living and entertaining. The kitchen overlooks a generously sized, fully fenced backyard, providing a private outdoor space perfect for gatherings, pets, or simply relaxing after a long day. Equipped with Solar panels to help with energy efficiency and Water softener system already in place Located in the heart of St. Augustine, this home offers exceptional convenience. You're just minutes from a variety of dining options, shopping at the St. Augustine Premium Outlets, and the area's stunning beaches. Enjoy easy access to the historic charm of

Cost to own

Mortgage calculator

Home Price

$340,000

Down Payment: 20%

$68,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,728

Principal & Interest: $1,728

Est. Taxes & Insurance: $432

Estimated Total Monthly

$2,160

*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$1,810

Property taxesest. at asking price, St. Johns County$452

HOAbilled annually$25

Estimated total, before insurance$2,287/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: $325,000 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$284,667	$284,667	—
2024	$275,244	$218,974	—
2023	$265,994	$215,994	—
2022	$67,200	$67,200	—

2025 property taxes (current owner): $4,184/yr

Estimated taxes if purchased at asking price: ~$5,400/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.

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 17, 2026Listed$340,000

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

Features

Price$340,000

Price / Sq Ft$228

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,488

Acres0.16 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address430 Falcon Ridge Road, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionMorgans Cove

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size6,969.6 sq ft

Parcel Number0956011920

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyDoors, Windows

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup