This home is in South Hampton, St. Augustine.

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Active Under Contract

Active Under Contract·86 days on market·South Hampton

3020 S Atherley Road

St. Augustine, FL 32092

$715,000$236/sqftEst. $3,806/moMLS# 2140589

Beds

Baths

3,028

Sq Ft

2004

Built

Garage

Yes

Pool

About this home

South Hampton

**AVAILABLE FOR RENT**POOL HOME**FRESHLY PAINTED**GOLF COMMUNITY** Nestled in the desirable South Hampton golf community, this stunning 5 bed/3 bath home offers the perfect blend of style and peace of mind with NO CDD and nearby TOP RATED SCHOOLS. The entire house has been FRESHLY PAINTED, with tons of stylish and thoughtfully curated details throughout, including tray ceilings, rounded archways, and plenty of light. The functional floor plan includes a formal dining room, a breakfast nook, and a kitchen featuring a breakfast bar, all UPGRADED cabinets, and ample counter space. The 1st floor BONUS SPACE is perfect for a home office or playroom, while the upstairs features a LOFT and ALL NEW FLOORING. Retreat to the SPACIOUS PRIMARY SUITE, complete with two walk in closets, a garden tub, and a walk-in shower. Recent upgrades include all NEW DOOR HANDLES and a newer garage door. Outside, enjoy an extended driveway and a large SCREENED-IN POOL with a HOT TUB. Don't miss out!

Cost to own

Mortgage calculator

Home Price

$715,000

Down Payment: 20%

$143,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,612

Principal & Interest: $3,612

Est. Taxes & Insurance: $903

Estimated Total Monthly

$4,515

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$3,806

Property taxesest. at asking price, St. Johns County$951

HOAbilled annually$108

Estimated total, before insurance$4,864/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

Year	Market value	Taxable value	Change
2025	$484,360	$239,620	—
2024	$481,141	$232,159	—
2023	$477,986	$223,941	—
2022	$447,280	$215,962	—
2021	$344,938	$208,216	—
2020	$313,008	$204,651	—

2025 property taxes (current owner): $3,723/yr

Estimated taxes if purchased at asking price: ~$11,400/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: Shingle — year not disclosed (home built 2004)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,761 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

Price & status history

Apr 20, 2026Listed$715,000

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

Features

Price$715,000

Price / Sq Ft$236

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage3,028

Acres0.20 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Heated, Screen Enclosure

Is WaterfrontNo

Direction FacesSouthwest

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBeachside

Community Information

Address3020 S Atherley Road, St. Augustine, FL 32092

Area304- 210 South

SubdivisionSouth Hampton

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,712 sq ft

Parcel Number0099726000

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Golf Course, Maintenance Grounds, RV/Boat Storage, Security, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

Green / EnergyInsulation, Windows

ParkingAttached, Garage, Garage Door Opener

ViewPond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Range, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Ice Maker, Microwave, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingElectric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)

Spa FeaturesIn Ground, Heated, Private