This home is in Arbor Mill, St. Augustine — a home near Tocoi Creek High School.
Sold·Closed Sep 8, 2026·151 days on market·Recent sales in Arbor Mill·Arbor Mill
39 Athens Drive
St. Augustine, FL 32092
8 more homes for sale in Arbor Mill →Search Arbor Mill on the map
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
Next steps in Arbor Mill
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, 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 homeAs 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
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: ~$8,000/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.
History
Price & status history
- Sep 14, 2026Closed$519,000
- Aug 3, 2026Pending$519,000
- May 3, 2026Listed$519,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $241/sq ft; this home is listed at $229/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 163 Vivian James Drive, St. Augustine, FL 32092Listed by HOUSE & HAVEN | Sep 2026 | $635,000 | $252 | 4/3 | 2,517 | 17 | 0.2 |
| 479 Athens Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTY | Sep 2026 | $622,000 | $241 | 3/2.5 | 2,577 | 17 | 0.6 |
| 2080 Crown Drive, St. Augustine, FL 32092Listed by COMPASS FLORIDA LLC | Oct 2026 | $625,000 | $238 | 4/3 | 2,626 | 90 | 0.9 |
| 324 Silver Glen Avenue, St. Augustine, FL 32092Listed by FLUID REALTY, LLC. | Sep 2026 | $362,500 | $136 | 4/2.5 | 2,668 | 7 | 0.9 |
| 93 Scarlet Rose Lane, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Sep 2026 | $750,000 | $280 | 5/4 | 2,679 | 5 | 1 |
| 139 Grand Rivage Drive Drive, St. Augustine, FL 32092Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $600,000 | $240 | 4/3 | 2,496 | 12 | 1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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 →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 8, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →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.
Northeast Florida living
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