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This home is in Glen St Johns, St. Augustine — a home near Beachside High School.

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Active

Active·102 days on market·Glen St Johns

28 Spanish Bay Drive

St. Augustine, FL 32092

$602,000$193/sqftEst. $3,095/moMLS# 2146090

Beds

Baths

3,127

Sq Ft

2017

Built

Garage

Pool

About this home

Glen St Johns

Nestled within the highly desirable Glen St. Johns community, 28 Spanish Bay Drive offers an elevated take on waterfront living in the heart of St. Johns County. This beautifully maintained home combines timeless style with thoughtful updates, all just minutes from St. Johns Golf & Country Club, I-95, shopping & dining, and the new Baptist & Wolfson St. Augustine ER, while zoned for some of the area's top-rated schools. The home's striking and recently painted black and white exterior delivers standout curb appeal with a modern, sophisticated touch. Inside, soaring ceilings in the living room create an airy, light-filled atmosphere, while tranquil water views bring a sense of calm throughout the home. Thoughtful updates completed by the sellers include gutters installed throughout, a brand new dishwasher, and an enhanced outdoor living space featuring a screened-in patio with an upgraded paver extension- perfect for morning coffee, evening gatherings, or simply enjoying the peaceful

Cost to own

Mortgage calculator

Home Price

$602,000

Down Payment: 20%

$120,400

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,095

Principal & Interest: $3,095

Property taxes (est.): $801

Insurance (est.): $401

Estimated Total Monthly

$4,297

*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$3,095

Property taxesest. at asking price, St. Johns County$801

HOAbilled quarterly$72

Estimated total, before insurance$3,968/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,652/yr · $721/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

Last sold: $602,500 in April 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$510,869	$510,869	—
2024	$501,120	$293,994	—
2023	$483,616	$283,975	▲ $1,480
2022	$469,741	$274,248	—
2021	$345,175	$264,804	—
2020	$322,842	$260,458	—

2025 property taxes (current owner): $8,652/yr

Estimated taxes if purchased at asking price: ~$9,600/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 2017)

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

Solar potential: ~1,730 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

Aug 18, 2026Price change$602,000−$15,500
May 19, 2026Listed$617,500

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

Features

Price$602,000

Price / Sq Ft$193

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,127

Total Structure Area4,461 sq ft

Acres0.23 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighBeachside

Community Information

Address28 Spanish Bay Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionGlen St Johns

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size10,018.8 sq ft

Parcel Number0265513820

ZoningPUD

Amenities

AmenitiesPool, Fitness Center, Park, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewWater

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

LaundryLower Level