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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St. Augustine — a home near Bartram Trail High School.

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Sold

Sold·Closed Jul 6, 2026·27 days on market·Recent sales in World Golf Village

474 Mackenzie Circle

St. Augustine, FL 32092

$340,000sold priceListed at $350,000 · 97.1% of asking$198/sqftMLS# 2144249
3
Beds
2
Baths
1,720
Sq Ft
2003
Built
2
Garage
No
Pool
HOA $27/mo0.43 acresWaterfrontSingle Family Residence1 story

About this home

St. Augustine

Welcome to this well maintained 3 bedroom, 2 bathroom home offering 1,720 sq ft of comfortable living space. The home features a spacious layout with inviting living and dining areas that flow seamlessly into the kitchen, creating a great setup for everyday living and entertaining. The primary suite includes a private bathroom and generous closet space, while the additional bedrooms provide flexibility for family, guests, or a home office. Step outside to enjoy the screened-in patio overlooking the water--perfect for relaxing and enjoying the peaceful view year-round. Located in a quiet residential neighborhood, this move-in ready home is easy to show and ready for its next owner.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,883
Property taxesest. at asking price, St. Johns County$452
HOAbilled annually$27
Estimated total, before insurance$2,363/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,448/yr · $371/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, 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

$340,000
$68,000
Loan Term
Monthly Payment
$1,883
Principal & Interest: $1,883
Property taxes (est.): $452
Insurance (est.): $227
Estimated Total Monthly
$2,562
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2003)

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

Solar potential: ~1,735 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$305,416$305,416—
2024$315,878$315,878—
2023$332,538$332,538—
2022$309,772$309,772—
2021$207,863$207,863—
2020$198,328$198,328—

2025 property taxes (current owner): $4,448/yr

Estimated taxes if purchased at asking price: ~$5,400/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

  • Jul 7, 2026Closed$350,000

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 $206/sq ft; this home is listed at $203/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1232 Ardmore Street, St. Augustine, FL 32092Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYSep 2026$300,000$1963/21,52940.1
1134 Ardmore Street, St. Augustine, FL 32092Listed by PEARSALL PROPERTIES INCSep 2026$340,000$2033/21,67410.2
673 Mackenzie Circle, St. Augustine, FL 32092Listed by REMAX WELCOME HOMEAug 2026$345,000$2013/21,7161010.4
5187 Farm Creek Road, St. Augustine, FL 32092Listed by MOMENTUM REALTYJul 2026$875,000$4933/21,776370.4
504 Knolle Court, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLCJul 2026$355,000$2203/21,611230.8
62 Alderwood Place, St. Augustine, FL 32092Listed by REAL BROKER LLCOct 2026$425,000$2064/32,0661221

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

Price$350,000
Price / Sq Ft$203
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,720
Acres0.43 acres
Year Built2003
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

Community Information

Address474 Mackenzie Circle, St. Augustine, FL 32092
Area309-World Golf Village Area-West
SubdivisionMeadows
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size18,730.8 sq ft
Parcel Number0288211310
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewWater
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne

Exterior

Lot DescriptionIrregular Lot
Patio / PorchPatio, Screened
FencingBack Yard
RoofShingle
ConstructionFrame, Stucco
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedMay 8, 2026
Days on Market27
HOA Fees$327.88 / Annually
HOA FrequencyAnnually
Tax Amount$4,447.53
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SOVEREIGN REAL ESTATE GROUP

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 6, 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.

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