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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Sawmill Landing, St. Augustine.

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Active Under Contract

Active Under Contract·121 days on market·Sawmill Landing

280 Sawmill Landing Drive

St. Augustine, FL 32086

$400,000$212/sqftEst. $2,056/moMLS# 2142598
3
Beds
2
Baths
1,886
Sq Ft
2020
Built
2
Garage
No
Pool

About this home

Sawmill Landing

Immaculate Home with $20K in upgrades and Motivated Sellers! Enjoy the best of St. Augustine living from this beautifully maintained, move-in ready home located just minutes from St. Augustine Beach, Historic Downtown, Flagler College, the St. Augustine Amphitheatre, fishing, boating, hiking and biking trails, shopping, dining, and top-rated St. Johns County schools. Unlike many newer communities still under development, this established location offers immediate access to everything that makes St. Augustine one of Florida's most desirable places to live. Designed for both comfort and convenience, the home features a spacious kitchen, whole-home water softening system, and an integrated HVAC dehumidifier for enhanced year-round comfort. Step outside to enjoy the patio deck and shade structure, perfect for relaxing or entertaining guests, along with a fully irrigated vegetable garden complete with decorative rock and ready for planting. Additional features include...

Cost to own

Mortgage calculator

$400,000
$80,000
Loan Term
Monthly Payment
$2,056
Principal & Interest: $2,056
Property taxes (est.): $532
Insurance (est.): $267
Estimated Total Monthly
$2,855
*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$2,056
Property taxesest. at asking price, St. Johns County$532
HOAbilled quarterly$60
Estimated total, before insurance$2,649/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,020/yr · $335/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: $400,000 in February 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$325,393$273,034
2024$314,632$264,632
2023$345,751$187,486
2022$299,624$180,569
2021$223,853$173,853
2020$52,250$52,250

2025 property taxes (current owner): $4,020/yr

Estimated taxes if purchased at asking price: ~$6,400/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 2020)

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

Solar potential: ~1,738 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

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 2, 2026Active Under Contract$400,000
  • Jul 27, 2026Price change$400,000$10,000
  • Apr 29, 2026Listed$410,000

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

Features

Price$400,000
Price / Sq Ft$212
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,886
Total Structure Area2,582 sq ft
Acres0.13 acres
Year Built2020
TypeResidential
Sub-TypeSingle Family Residence
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address280 Sawmill Landing Drive, St. Augustine, FL 32086
Area337-Old Moultrie Rd/Wildwood
SubdivisionSawmill Landing
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32086
Lot Size5,662.8 sq ft
Parcel Number1016300150
ZoningResidential

Amenities

AmenitiesOther, Park
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, On Street
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryUpper Level
SecurityOther

Exterior

Patio / PorchCovered, Deck
FencingFenced, Back Yard, Full, Vinyl
RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedApril 30, 2026
Days on Market96
HOA Fees$180 / Quarterly
HOA FrequencyQuarterly
HOA NameAlliance Realty & Management / Sawmill Landing HOA
Tax Amount$4,020
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

The neighborhood

About Sawmill Landing

Sawmill Landing is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.

View all Sawmill Landing homes for sale →

Listing Courtesy of: ENGEL & VOLKERS ST AUGUSTINE

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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