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 Entrada, St. Augustine — a waterfront home in St. Johns County.

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Active Under Contract

Active Under Contract·111 days on market·Entrada

943 Orellana Road

St. Augustine, FL 32084

$425,000$198/sqftEst. $2,187/moMLS# 2141591

Beds

Baths

2,144

Sq Ft

2025

Built

Garage

Pool

About this home

Entrada

Not all lots are created equal and this one is the crown jewel of Entrada. Backing to a serene pond and a protected preserve, this 4 bedroom, 2 bath, 3 car garage home offers the kind of view and privacy most buyers never find. This Catalina floor plan is 2,147 sq ft of open concept living. The kitchen features gorgeous quartz countertops, gas stove, stainless appliances, walk-in pantry, and a large island overlooking the gathering room. The private main suite has a massive walk-in closet, the bathroom has dual vanities with quartz countertops, and large linen closet. Three additional bedrooms feature deep closets and two rooms have a view of the pond. The 3 car garage is fully painted and Shark Coat finished. Community amenities include a clubhouse, splash pad, lap pool, zero entry pool, fitness center, pickle-ball & basketball courts, nature trails, dog park, playground, picnic areas, and community stocked ponds. Publix, Starbucks, and everyday conveniences are right across the road

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,187

Principal & Interest: $2,187

Property taxes (est.): $566

Insurance (est.): $283

Estimated Total Monthly

$3,036

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,187

Property taxesest. at asking price, St. Johns County$566

HOAbilled annually$17

Estimated total, before insurance$2,769/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,220/yr · $352/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

Year	Market value	Taxable value	Change
2025	$70,000	$70,000	—

2025 property taxes (current owner): $4,220/yr

Estimated taxes if purchased at asking price: ~$6,800/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 2025)

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

Aug 8, 2026Active Under Contract$425,000
Jul 21, 2026Price change$425,000−$10,000
Apr 24, 2026Listed$435,000

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

Features

Price$425,000

Price / Sq Ft$198

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,144

Acres0.18 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontYes

Community Information

Address943 Orellana Road, St. Augustine, FL 32084

Area337-Old Moultrie Rd/Wildwood

SubdivisionEntrada

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size7,840.8 sq ft

Parcel Number1012860790

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, RV/Boat Storage, Tennis Court(s), Trash

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

SewerPublic Sewer

Water SourcePublic

Green / EnergyDoors, Windows

ParkingGarage, On Street

ViewPond, Protected Preserve, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingNatural Gas

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity System Owned, Smoke Detector(s)