This home is in St. Augustine.
Active Under Contract·90 days on market
105 Gypsum Place
St. Augustine, FL 32086
About this home
St. Augustine
MINUTES TO THE BEACHES and located on a QUIET CUL-DE-SAC, this exceptional POOL HOME delivers! Featuring 4 BEDROOMS, 3.5 BATHS, 3 CAR GARAGE, AND SO MANY EXTRAS, this 2,798 sqft home offers comfort, functionality and true Florida living. A private MULTI-GENERATIONAL SUITE complete with its own living area, kitchenette, bedroom, and full bath provides ideal separation for extended family, guests, or a secluded retreat. The heart of the home features a seamless open-concept layout, where the kitchen, gathering room, and dining spaces connect effortlessly. Step outside to a true backyard escape; an expansive screened pavered lanai with pool and spa, all set against a tranquil pond backdrop with stunning sunset views. The extra-wide, paver-enhanced driveway provides both curb appeal and function, leading to a 3 CAR GARAGE with epoxy floors, utility sink, and sliding screen doors perfect for added flexibility.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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: $525,600 in May 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $565,371 | $449,946 | — |
| 2024 | $577,100 | $436,558 | — |
| 2023 | $472,386 | $422,386 | — |
| 2022 | $84,000 | $84,000 | — |
| 2021 | $75,000 | $75,000 | — |
2025 property taxes (current owner): $6,555/yr
Estimated taxes if purchased at asking price: ~$11,500/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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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.
Likely septic · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,636 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 homeInformational 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
- Jul 9, 2026Active Under Contract$719,000
- Apr 17, 2026Listed$719,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX SPECIALISTS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Expert
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
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