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 Markland, St. Augustine — a waterfront home in St. Johns County.

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Active

Active·110 days on market·Markland

184 Kirkside Avenue

St. Augustine, FL 32095

$975,000$321/sqftEst. $5,012/moMLS# 2144754

Beds

Baths

3,033

Sq Ft

2019

Built

Garage

Pool

About this home

Markland

There's nothing else like it in Markland and the moment you pull up, you'll know it. This Cornerstone custom built home is pure French Provincial: a steep, multi-pitched roofline, tall arched windows, board-and-batten shutters, & a standing-seam metal portico over the entry. It's the kind of elevation you slow down for. In a community of beautiful homes, this one stands in a class by itself. And it has the setting to match. The home is positioned to take in the entire unobstructed lake, not a sliver, not an angle, the full width of the water & it faces due west. It's the one thing a home can't add later: a true, full, west-facing lakefront that can't be built, bought next door, or ever taken away. Step through the double glass doors & the lake is already yours, framed dead-center through a wall of triple sliders, fitted with electric shades, that runs the width of the great room.

Cost to own

Mortgage calculator

Home Price

$975,000

Down Payment: 20%

$195,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,012

Principal & Interest: $5,012

Property taxes (est.): $1,297

Insurance (est.): $650

Estimated Total Monthly

$6,960

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$5,012

Property taxesest. at asking price, St. Johns County$1,297

HOAbilled annually$10

Estimated total, before insurance$6,320/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,592/yr · $966/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	$699,350	$446,613	—
2024	$654,558	$433,319	—
2023	$617,762	$419,242	—
2022	$565,420	$405,575	—
2021	$499,291	$392,306	—
2020	$436,199	$386,199	—

2025 property taxes (current owner): $11,592/yr

Estimated taxes if purchased at asking price: ~$15,600/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 2019)

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

Solar potential: ~1,740 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

May 11, 2026Listed$975,000

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

Features

Price$975,000

Price / Sq Ft$321

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,033

Acres0.35 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address184 Kirkside Avenue, St. Augustine, FL 32095

Area307-World Golf Village Area-SE

SubdivisionMarkland

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size15,246 sq ft

Parcel Number0270712110

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Elevator(s), Fitness Center, Gated, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewLake

Waterfront TypeLake Front

Interior

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

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryIn Unit, Sink

SecuritySecurity Gate