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 St. Augustine — a pool home in St. Johns County.

1 / 65

Active

Active·63 days on market

265 Moses Creek Boulevard

St. Augustine, FL 32086

$692,000$218/sqftEst. $3,569/moMLS# 2144363

Beds

Baths

3,175

Sq Ft

2009

Built

Garage

Yes

Pool

About this home

St. Augustine

STUNNING & SPACIOUS 4/3.5 WITH HEATED POOL & VIEWS OF NATURAL SPRING. Just updated, you'll love this incredible St. Augustine home nestled in a small and quiet community only a few miles from the Beach and walking distance from the Moses Creek Conservation area. Boasting more than 3,000 SQFT this home has it all. Enter into a spacious traditionally designed layout with vaulted ceilings and an open kitchen. Dedicated formal dining room and downstairs living room lead to large kitchen with solid surface counters, breakfast bar, dinette, pantry and more, all overlooking the pool. Adjacent flex space is perfect for home office or den. Downstairs master with his and hers walk-in closet and private bath. Upstairs bonus room with built-ins leads to 2nd bedroom with en-suite bath. Two more bedrooms with hall bath for convenience. Laundry area with sink upstairs. Screened-in pool and hot tub are heated, and overlook a beautiful natural spring. Roof 2024. The best of Florida Living.

Cost to own

Mortgage calculator

Home Price

$692,000

Down Payment: 20%

$138,400

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,569

Principal & Interest: $3,569

Property taxes (est.): $921

Insurance (est.): $461

Estimated Total Monthly

$4,951

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,569

Property taxesest. at asking price, St. Johns County$921

HOAbilled quarterly$50

Estimated total, before insurance$4,539/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,341/yr · $362/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$555,586	$285,521	—
2024	$527,315	$276,626	—
2023	$569,656	$266,967	—
2022	$554,737	$262,089	—
2021	$383,859	$252,984	—
2020	$356,915	$248,794	—

2025 property taxes (current owner): $4,341/yr

Estimated taxes if purchased at asking price: ~$11,000/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,779 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

Jul 13, 2026Price change$692,000−$3,000
Jun 5, 2026Listed$695,000

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

Features

Price$692,000

Price / Sq Ft$218

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,175

Acres0.33 acres

Year Built2009

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Screen Enclosure

Is WaterfrontYes

Community Information

Address265 Moses Creek Boulevard, St. Augustine, FL 32086

Area337-Old Moultrie Rd/Wildwood

SubdivisionMoses Creek Estates

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Lot Size14,374.8 sq ft

Parcel Number1845040130

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup

Spa FeaturesIn Ground, Heated