This home is in St. Augustine.

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Active

Active·100 days on market

138 Mustard Hill Court

St. Augustine, FL 32086

$237,500$203/sqftEst. $1,211/moMLS# 2140481

Beds

Baths

1,168

Sq Ft

2022

Built

Garage

Pool

About this home

St. Augustine

MOTIVATED SELLER! Seller is offering up to 3% in buyer concessions with an accepted offer.Don't miss this opportunity!! Welcome to this beautifully maintained 2-bedroom, 1.5-bath townhome located on one of the best lots in the desirable Orchard Park neighborhood. This home offers a rare combination of privacy and natural beauty, featuring a serene pond view in the backyard and mature trees in the front that create a peaceful, secluded setting. Inside, you'll find a clean, well-cared-for space filled with natural light--especially in the afternoons, when sunlight pours in to create a warm and inviting atmosphere. The thoughtful layout provides both comfort and functionality, perfect for everyday living or entertaining. Whether you're relaxing by the water, enjoying the quiet surroundings, or appreciating the pride of ownership throughout the home, this property truly stands out. Priced to sell--don't miss this opportunity to own a move-in-ready home in a prime location

Cost to own

Mortgage calculator

Home Price

$237,500

Down Payment: 20%

$47,500

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,211

Principal & Interest: $1,211

Property taxes (est.): $316

Insurance (est.): $158

Estimated Total Monthly

$1,685

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,211

Property taxesest. at asking price, St. Johns County$316

HOAbilled monthly$197

Estimated total, before insurance$1,724/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.

Cost to own

Taxes & assessment

Last sold: $300,500 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$213,263	$133,757	—
2024	$217,629	$129,280	—
2023	$203,548	$124,058	—
2022	$44,800	$44,000	—
2021	$40,000	$40,000	—

Estimated taxes if purchased at asking price: ~$3,800/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 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: ~1,695 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