This home is in Entrada, St. Augustine.

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Pending

Pending·58 days on market·Entrada

492 Jarama Circle

St. Augustine, FL 32084

$385,000$226/sqftEst. $2,049/moMLS# 2145996

Beds

Baths

1,705

Sq Ft

2022

Built

Garage

Pool

About this home

Entrada

Stunning 1-owner waterfront home! Freshly painted inside & out. Features 4 beds, 2 baths, 2-car garage, luxury vinyl plank floors & custom pine crown molding throughout. The gourmet kitchen & baths shine with exotic Magma Gold granite. Energy-efficient natural gas community with upgraded attic insulation for low utility bills. Relax on the 270 sq ft screened porch overlooking the water with local geese & mallards. Fully fenced backyard. Just 15 mins to downtown & beaches! Resort amenities: pools, splash pad, pickleball, basketball, dog park & trails. Schedule your tour today!

Cost to own

Mortgage calculator

Home Price

$385,000

Down Payment: 20%

$77,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,957

Principal & Interest: $1,957

Est. Taxes & Insurance: $489

Estimated Total Monthly

$2,446

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$2,049

Property taxesest. at asking price, St. Johns County$512

HOAbilled annually$17

Estimated total, before insurance$2,578/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

Last sold: $355,400 in July 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$307,042	$240,872	—
2024	$296,646	$233,376	—
2023	$286,729	$215,433	—
2022	$67,200	$67,200	—

2025 property taxes (current owner): $6,694/yr

Estimated taxes if purchased at asking price: ~$6,100/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,760 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.

Features

Price$385,000

Price / Sq Ft$226

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,705

Total Structure Area2,375 sq ft

Acres0.17 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryWebster

MiddleMurray

HighSt. Augustine

Community Information

Address492 Jarama Circle, St. Augustine, FL 32084

Area337-Old Moultrie Rd/Wildwood

SubdivisionEntrada

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size7,405.2 sq ft

Parcel Number1011820560

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewWater

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Water Heater, Gas Range, Microwave, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySmoke Detector(s)