Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Entrada, St. Augustine — a home near St. Augustine High School.

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Pending

Pending·35 days on market·Entrada

433 Jarama Circle

St. Augustine, FL 32084

$323,000$145/sqftEst. $1,678/moMLS# 2143912

Beds

Baths

2,231

Sq Ft

2022

Built

Garage

Pool

About this home

Entrada

Welcome to the beautiful Entrada community, where the friendly, active spirit of St. Augustine comes to life. This stunning two-story home features 4 bedrooms, 2.5 bathrooms, and a conveniently located upstairs laundry room. Downstairs, you'll find a spacious open-concept layout filled with natural light, seamlessly connecting the kitchen and living areas; perfect for entertaining or everyday living. A convenient half bath and ample storage space add to the home's functionality. The attached 2-car garage opens directly into the kitchen area, making it easy to unload groceries, beach gear, or pool essentials. Residents of Entrada enjoy exceptional resort-style amenities, including: Resort-style community pool-the perfect place to relax and gather with friends and neighbors. State-of-the-art fitness center, Pickleball and tennis courts for active living and weekend matches. Playgrounds and inviting social spaces designed to foster community connection and make you feel right at home.

Cost to own

Mortgage calculator

Home Price

$323,000

Down Payment: 20%

$64,600

Interest Rate: 6.76%

Loan Term

Monthly Payment

$1,678

Principal & Interest: $1,678

Property taxes (est.): $430

Insurance (est.): $215

Estimated Total Monthly

$2,323

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$1,678

Property taxesest. at asking price, St. Johns County$430

HOAbilled annually$17

Estimated total, before insurance$2,124/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,234/yr · $520/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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 September 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$330,877	$226,077	—
2024	$319,763	$218,998	—
2023	$319,763	$211,163	—
2022	$67,200	$67,200	—

2025 property taxes (current owner): $6,234/yr

Estimated taxes if purchased at asking price: ~$5,200/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 2022)

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

Solar potential: ~1,760 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 10, 2026Pending$323,000
Aug 6, 2026Price change$323,000−$17,000
Jul 7, 2026Price change$340,000−$17,000
May 7, 2026Listed$357,000

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

Features

Price$323,000

Price / Sq Ft$145

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,231

Acres0.15 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryWebster

MiddleMurray

HighSt. Augustine

Community Information

Address433 Jarama Circle, St. Augustine, FL 32084

Area337-Old Moultrie Rd/Wildwood

SubdivisionEntrada

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size6,534 sq ft

Parcel Number1011820410

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Park, Pickleball, Playground, RV/Boat Storage

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Walk-In Closet(s)

AppliancesDishwasher, Gas Range, Instant Hot Water, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Vinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Upper Level, Washer Hookup

SecuritySmoke Detector(s)