Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Courtney Oaks, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·128 days on market·Courtney Oaks

37 Courtney Oaks Drive

St. Augustine, FL 32092

$1,499,900$376/sqftEst. $7,711/moMLS# 2141333

Beds

Baths

3,991

Sq Ft

2023

Built

Garage

Pool

About this home

Courtney Oaks

REDUCED $200,000! Our stunning Stella II model in Courtney Oaks-now for sale with a 90 day delayed close w/ NO leaseback. The home is situated on a large water to preserve view homesite. This home has it all, 4 bedrooms, 5 baths, insulated 3 car split garage, downstairs recreation room, upstairs bonus and loft, study and formal dining room. Every designer detail you could imagine including a spectacular lighting package and wood flooring. The entry is flanked with the dining & study, all have tray ceilings with tongue and groove inserts. A stunning water view from the front entry through the huge 16' slider. The gorgeous kitchen has a pot filler, large 36' gas range, Thermador refrigerator, double oven, wall microwave, farm sink, massive pantry AND butler's pantry and designer wood vent. The large mud bench is opposite the oversized laundry with ample cabinets, counter space and a sink. The owner suite with sitting room has a beautiful view and a spa bath with free standing tu

Cost to own

Mortgage calculator

Home Price

$1,499,900

Down Payment: 20%

$299,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$7,711

Principal & Interest: $7,711

Property taxes (est.): $1,996

Insurance (est.): $1,000

Estimated Total Monthly

$10,707

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$7,711

Property taxesest. at asking price, St. Johns County$1,996

HOAbilled annually$154

Estimated total, before insurance$9,861/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$14,295/yr · $1,191/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $740,000 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,036,552	$1,036,552	—
2024	$1,031,507	$960,507	—
2023	$140,000	$140,000	—
2022	$39,200	$39,200	—

2025 property taxes (current owner): $14,295/yr

Estimated taxes if purchased at asking price: ~$24,000/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.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2023)

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

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

Price & status history

Jul 23, 2026Price change$1,499,900−$100,000
Apr 22, 2026Listed$1,599,900

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

Features

Price$1,499,900

Price / Sq Ft$376

Bedrooms5

Bathrooms5.00

Full Baths5

Square Footage3,991

Acres0.26 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

New ConstructionYes

School Information

HighTocoi Creek

Community Information

Address37 Courtney Oaks Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionCourtney Oaks

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size11,325.6 sq ft

Parcel Number0103620070

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Electric Vehicle Charging Station(s)

ViewPond, Protected Preserve

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Butler Pantry, Entrance Foyer, Guest Suite, His and Hers Closets, Jack and Jill Bath, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Double Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater

HeatingElectric

CoolingCentral Air, Electric, Multi Units, Zoned

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas, Outside

# of Stories2

LevelsTwo

LaundryLower Level, Sink

SecuritySecurity Gate