This home is in St. Augustine.

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Active

Active·62 days on market

1718 Pepper Stone Court

St. Augustine, FL 32092

$825,000$281/sqftEst. $4,391/moMLS# 2145199

Beds

Baths

2,933

Sq Ft

2002

Built

Garage

Pool

About this home

St. Augustine

Welcome to 1718 Pepper stone Court! Where Luxury Meets Lifestyle. Discover refined living in the prestigious St. Johns Golf & Country Club. This fully renovated 5-bedroom, 3-bathroom masterpiece sits on a premium preserve lot with no neighbor on one side, delivering unmatched privacy and tranquility. Inside, a designer kitchen with quartz countertops, beautifully remodeled bathrooms, and a light-filled open-concept layout create the perfect blend of luxury and functionality. Five spacious bedrooms offer endless flexibility for entertaining, working from home, or hosting guests. Enjoy resort-style amenities - championship golf, pools, fitness center, tennis courts, clubhouse, and scenic trails, all steps from your door. Minutes to Jacksonville, St. Augustine, beaches, dining, and major highways. Fully renovated. Move-in ready. Rarely available. Schedule your private tour today before someone else calls it home.

Cost to own

Mortgage calculator

Home Price

$825,000

Down Payment: 20%

$165,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,167

Principal & Interest: $4,167

Est. Taxes & Insurance: $1,042

Estimated Total Monthly

$5,209

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$4,391

Property taxesest. at asking price, St. Johns County$1,098

HOAbilled quarterly$129

Estimated total, before insurance$5,618/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$517,523	$455,738	—
2024	$516,255	$442,187	—
2023	$494,013	$427,851	—
2022	$463,933	$413,933	—
2021	$351,742	$351,742	—
2020	$324,835	$220,602	—

2025 property taxes (current owner): $9,070/yr

Estimated taxes if purchased at asking price: ~$13,200/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 2002)

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

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,713 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 15, 2026Price change$825,000−$4,000
May 14, 2026Listed$829,000

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

Features

Price$825,000

Price / Sq Ft$281

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,933

Acres0.17 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighBeachside

Community Information

Address1718 Pepper Stone Court, St. Augustine, FL 32092

Area304- 210 South

SubdivisionSt Johns Golf & Cc

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,405.2 sq ft

Parcel Number0264340020

Amenities

AmenitiesPool, Basketball Court, Cable TV, Clubhouse, Fitness Center, Golf Course, Maintenance Grounds, Management - Full Time, Management- On Site, Park, Pickleball, Playground, Security, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Freezer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Lower Level, Washer Hookup

Spa FeaturesAbove Ground