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.

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Active

Active·70 days on market

4475 N Francis Road

St. Augustine, FL 32095

$649,000$436/sqftEst. $3,337/moMLS# 2145106

Beds

Baths

1,487

Sq Ft

1989

Built

Garage

Yes

Pool

About this home

St. Augustine

PRIVACY. ACREAGE. HIDDEN GEM. Welcome to your own private piece of Old Florida paradise at 4475 N Francis Road in beautiful St. Augustine. Nestled beneath majestic oak trees on a spacious homesite and 2.27 ACRES., this beautifully updated property offers the perfect blend of peaceful country living and modern convenience, all less than 5 minutes from I 95. From the moment you arrive, you'll appreciate the privacy, charm, and versatility this property offers. The home features thoughtfully updated interiors, inviting living spaces, and a layout designed for both everyday comfort and entertaining. Step outside and discover your personal retreat complete with a sparkling pool, expansive outdoor space, and endless room to relax, gather, or play. A standout feature of this property is the large detached garage and covered carport, offering incredible flexibility for hobbyists, car enthusiasts, business owners, boat or RV storage, or anyone needing additional workspace and storage.

Cost to own

Mortgage calculator

Home Price

$649,000

Down Payment: 20%

$129,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,337

Principal & Interest: $3,337

Property taxes (est.): $864

Insurance (est.): $433

Estimated Total Monthly

$4,633

*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$3,337

Property taxesest. at asking price, St. Johns County$864

Estimated total, before insurance$4,200/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,713/yr · $143/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	$267,895	$90,384	—
2024	$275,707	$87,129	—
2023	$259,835	$83,135	—
2022	$161,112	$50,434	—
2021	$124,963	$47,509	—
2020	$126,618	$46,163	—

2025 property taxes (current owner): $1,713/yr

Estimated taxes if purchased at asking price: ~$10,400/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.

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: Metal, Other — year not disclosed (home built 1989)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,632 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

Jun 20, 2026Listed$649,000

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

Features

Price$649,000

Price / Sq Ft$436

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,487

Acres2.27 acres

Year Built1989

TypeResidential

Sub-TypeSingle Family Residence

StylePatio Home

Property ConditionUpdated/Remodeled

StatusActive

# of Garages6

# of Carport Spaces3

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address4475 N Francis Road, St. Augustine, FL 32095

Area307-World Golf Village Area-SE

Subdivision**verifying Subd**

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size98,881.2 sq ft

Parcel Number0290500070

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPrivate Sewer, Septic Tank

Water SourcePrivate, Well

ParkingAdditional Parking, Attached, Carport, Detached, Detached Carport, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

SecuritySmoke Detector(s)