This home is in Beacon Lake, St. Augustine.

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Pending

Pending·83 days on market·Beacon Lake

439 Convex Lane

St. Augustine, FL 32095

$579,000$232/sqftEst. $3,082/moMLS# 2141850

Beds

Baths

2,501

Sq Ft

2018

Built

Garage

Pool

About this home

Beacon Lake

Fabulous Mattamy-built home, located in the desirable Beacon Lake Neighborhood, right on the ''Big Lake''! Outstanding one-level floorpan with 4 bedrooms and 3 baths, including a private primary suite, plus an office/den space. Includes a second bedroom+ensuite bath, perfect for guests. Open kitchen/dining/living layout with upgraded millwork throughout. Kitchen is perfect for hosting, featuring large island, quartz countertops, stainless appliances, gas range and extra storage in the adjacent pantry. Hardwoods in the shared areas; carpets in the private rooms. Peaceful lanai overlooks lakefront location; kayak to the amenity center, right from the backyard! Double garage with plenty of extra driveway parking. Generous lot with established landscaping. Home is truly move-in ready - even offered fully furnished and equipped! Resort-style amenity center with community space, pool, splash park, exercise/work out area and Food Truck Friday! Highly rated school district, growing area.

Cost to own

Mortgage calculator

Home Price

$579,000

Down Payment: 20%

$115,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,943

Principal & Interest: $2,943

Est. Taxes & Insurance: $736

Estimated Total Monthly

$3,679

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$3,082

Property taxesest. at asking price, St. Johns County$770

HOAbilled annually$5

Estimated total, before insurance$3,857/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	$520,223	$520,223	—
2024	$516,009	$516,009	—
2023	$482,348	$470,613	—
2022	$427,830	$427,830	—
2021	$342,438	$279,383	—
2020	$324,835	$274,835	—

2025 property taxes (current owner): $6,726/yr

Estimated taxes if purchased at asking price: ~$9,200/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2018)

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

Solar potential: ~1,759 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.

Features

Price$579,000

Price / Sq Ft$232

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,501

Total Structure Area3,286 sq ft

Acres0.24 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesNorth

Community Information

Address439 Convex Lane, St. Augustine, FL 32095

Area304- 210 South

SubdivisionBeacon Lake

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size10,454.4 sq ft

Parcel Number0237211490

Amenities

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street

ViewLake, Trees/Woods, Water

Waterfront TypeLake Front

Interior

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

AppliancesDishwasher, Disposal, Dryer, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

SecurityCarbon Monoxide Detector(s), Security System Owned, Smoke Detector(s)