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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 waterfront home in St. Johns County.

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Active

Active·161 days on market

583 Ashby Landing Way

St. Augustine, FL 32086

$355,000$250/sqftEst. $1,951/mo mortgageMLS# 2145331
↓ $5,000 below original list
3
Beds
2
Baths
1,420
Sq Ft
2018
Built
2
Garage
No
Pool
FEMA Zone XHOA $59/mo5,227 sqft lotWaterfrontSingle Family Residence1 story

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About this home

St. Augustine

Experience the perfect blend of coastal charm and modern convenience in this stunning lakeside cottage. Situated in a private, No-CDD enclave of just 128 homes, this property offers a rare ''best of both worlds'' location: a peaceful retreat that is only a 10-minutes to historic downtown St. Augustine and the pristine sands of Anastasia Island. The bright, airy split-floor plan ensures privacy for every member of the household. Relax in a cozy living room anchored by elegant shiplap finishes and a custom faux fireplace featuring clever hidden hearth storage. Step onto your 12x16 wood deck--complete with a sun-sail shade--to enjoy views of the community fountain. It's the ultimate setting for weekend grilling and sunset entertaining. Come see why this lakeside gem is the perfect place to call your own!

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$1,951
Property taxesest. at asking price, St. Johns County$472
HOAbilled quarterly$59
Estimated total, before insurance$2,482/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,734/yr · $311/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

$355,000
$71,000
Loan Term
Monthly Payment
$1,951
Principal & Interest: $1,951
Property taxes (est.): $472
Insurance (est.): $237
Estimated Total Monthly
$2,660
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

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 2018)

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

Solar potential: ~1,782 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:32 AM, sunset 6:47 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

Last sold: $379,000 in May 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$251,352$251,352—
2024$274,458$274,458—
2023$276,422$132,730—
2022$243,828$127,408—
2021$187,715$122,241—
2020$169,863$119,863—

2025 property taxes (current owner): $3,734/yr

Estimated taxes if purchased at asking price: ~$5,700/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

  • Aug 12, 2026Price change$355,000−$5,000
  • May 14, 2026Listed$360,000

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 $236/sq ft; this home is listed at $250/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
141 N Churchill Drive, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEJul 2026$352,500$2593/21,361260.6
86 Little Owl Lane, St. Augustine, FL 32086Listed by BEACH STATE REALTYAug 2026$390,000$2173/21,79760.8
303 Deer Crossing Road, St. Augustine, FL 32086Listed by ASSIST2SELL BUYERS & SELLERS REALTYJul 2026$363,000$2363/21,540761.1
261 Cornell Road, St. Augustine, FL 32086Listed by REAL BROKER LLCJul 2026$265,000$1743/21,52081.1
2900 Gray Jay Drive, St. Augustine, FL 32084Listed by ALSOP PROPERTIES INCJul 2026$250,000$1453/21,7302601.2
433 Lena Street, St. Augustine, FL 32084Listed by HASSLE-FREE REALTY LLCJul 2026$314,900$2413/2.51,309151.4

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$355,000
Price / Sq Ft$250
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,420
Total Structure Area1,420 sq ft
Acres0.12 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesNorth

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryOsceola
Reported middleMurray
Reported highPedro Menendez
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address583 Ashby Landing Way, St. Augustine, FL 32086
Area337-Old Moultrie Rd/Wildwood
SubdivisionAshby Landing
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32086
Lot Size5,227.2 sq ft
Parcel Number1027651240
ZoningResidential

Amenities

AmenitiesPlayground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewWater
Waterfront TypePond

Interior

Interior FeaturesKitchen Island, Pantry, Primary Bathroom - Shower No Tub
AppliancesDishwasher, Electric Cooktop, Electric Oven, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchDeck
FencingFenced
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt

Additional Information

Date ListedMay 14, 2026
Days on Market128
HOA Fees$177 / Quarterly
HOA FrequencyQuarterly
HOA Fee IncludesMaintenance Grounds
Tax Amount$3,733.6
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER PREMIER PROPERTIES

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

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20+ years · 500+ closings · NE Florida

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