This home is in St. Augustine.

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Active

Active·70 days on market

358 Honeycomb Trail

St. Augustine, FL 32095

$440,000$212/sqftEst. $2,342/moMLS# 2143098

Beds

Baths

2,075

Sq Ft

2023

Built

Garage

Pool

About this home

St. Augustine

Welcome to this beautifully built 2023 home in the sought-after Verano Creek community! This spacious 4-bedroom, 3-bathroom home features PAID OFF solar panels, a home gym, a modern open-concept layout, perfect for everyday living and entertaining. Verano Creek offers low HOA dues of just $300 quarterly with no CDD fees, plus amenities like a dog park and scenic walking trails. Ideally located near St. Augustine's Historic District, beaches, golf courses, shopping, dining, and major highways--everything you need is just minutes away! Schedule your showing today.The kitchen boasts stainless steel appliances, quartz countertops, and plenty of cabinet space, flowing seamlessly into the main living areas. Enjoy outdoor living with a screened-in lanai featuring epoxy flooring and a fully fenced backyard. Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$440,000

Down Payment: 20%

$88,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,236

Principal & Interest: $2,236

Est. Taxes & Insurance: $559

Estimated Total Monthly

$2,796

*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$2,342

Property taxesest. at asking price, St. Johns County$585

HOAbilled quarterly$100

Estimated total, before insurance$3,027/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

Last sold: $421,500 in December 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$364,010	$308,288	—
2024	$378,409	$323,409	—
2023	$95,000	$72,600	—
2022	$78,400	$66,000	—
2021	$60,000	$60,000	—

2025 property taxes (current owner): $4,665/yr

Estimated taxes if purchased at asking price: ~$7,000/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 C

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

Roof: material not specified — year not disclosed (home built 2023)

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

Private well (public record)

County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,421 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

History