This home is in Arbor Mill, St. Augustine.
Active·74 days on market·Arbor Mill
39 Athens Drive
St. Augustine, FL 32092
About this home
Arbor Mill
MOTIVATED SELLERS in Desirable Arbor Mill - NO CDD Fees! Welcome to this impeccably maintained 4-bdrm, 2-bath home in the sought-after Arbor Mill community which offers 2,268 square feet of thoughtfully designed open-concept living space filled with upscale finishes and modern comforts. Elegant wood-plank tile flooring, designer lighting, and seamless flow ideal for both everyday living and entertaining. A gourmet kitchen...featuring quartz countertops, stone backsplash, stainless steel appliances, and a large island perfect for gathering and entertaining. The split floor plan provides privacy and flexibility. This spacious primary suite is a true retreat, highlighted by a tray ceiling, large walk-in closet, and a spa-inspired bathroom complete with dual vanities, soaking tub, and separate shower. Bedrooms 2 and 3 are separated by a full bath, while the 4thbedroom, currently used as an exercise room, offers a flex space for an office/bonus rm. Community amenities include pool
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: $500,000 in September 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $431,124 | $237,543 | — |
| 2024 | $456,479 | $230,141 | — |
| 2023 | $459,878 | $234,939 | — |
| 2022 | $388,526 | $226,640 | — |
| 2021 | $305,610 | $218,583 | — |
| 2020 | $279,413 | $214,875 | — |
2025 property taxes (current owner): $3,695/yr
Estimated taxes if purchased at asking price: ~$8,300/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 F
Zone F evacuates after zones A, B, C, D, E in an approaching storm.
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: ~1,718 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 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
- May 3, 2026Listed$519,000
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 Arbor Mill
Arbor Mill is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Arbor Mill homes for sale →Listing Courtesy of: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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