This home is in Morgans Cove, St. Augustine.
Active·77 days on market·Morgans Cove
233 Falcon Ridge Road
St. Augustine, FL 32084
About this home
Morgans Cove
ASSUMABLE RATE 4.99%, 4 BEDS, 2 BATHS, 3 CAR GARAGE, BEAUTIFUL LAKE VIEW! MAKE AN OFFER! Welcome home to 233 Falcon Ridge, located in the Morgan's Cove subdivision. Just minutes from historical St. Augustine, you'll have easy access to charming shops, gourmet dining and beautifiul beaches. As you enter this four-bedroom home a welcoming foyer greets you, leading into a spacious living and dining area, perfectly designed for entertaining. The large kitchen, equipped with stainless steel appliances, is a chef's dream. The split-bedroom layout offers privacy, and the owner's suite is a true retreat, with an en-suite bath and a huge walk in closet. A large laundry room is conveniently located within the home, and the property sits on a serene lake, offering peaceful water views. With a three-car garage, modern finishes, and a bright, airy design, this home is the ulimate St. Augustine sanctuary!
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: $386,100 in March 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $365,010 | $165,108 | — |
| 2024 | $352,110 | $352,110 | — |
| 2023 | $60,750 | $60,750 | — |
| 2022 | $67,200 | $67,200 | — |
2025 property taxes (current owner): $2,728/yr
Estimated taxes if purchased at asking price: ~$6,100/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 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 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 8, 2026Price change$384,900−$3,000
- Apr 30, 2026Listed$387,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Morgans Cove
Morgans Cove is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32084.
View all Morgans Cove homes for sale →Listing Courtesy of: EAST COAST REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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