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

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Active

Active·149 days on market·Glen St Johns

28 Spanish Bay Drive

St. Augustine, FL 32092

$585,000$187/sqftEst. $3,240/moMLS# 2146090
↓ $32,500 below original listOpen house Sat, Oct 17 · 11:00 am–2:00 pm
5
Beds
4
Baths
3,127
Sq Ft
2017
Built
3
Garage
No
Pool

5 more homes for sale in Glen St Johns →Search Glen St Johns on the map

FEMA Zone XHOA $72/mo10,019 sqft lotWaterfrontSingle Family Residence2 stories

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About this home

Glen St Johns

PRICE IMPROVEMENT!! 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

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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 · 7.4% · 30yr$3,240
Property taxesest. at asking price, St. Johns County$778
HOAbilled quarterly$72
Estimated total, before insurance$4,091/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$585,000
$117,000
Loan Term
Monthly Payment
$3,240
Principal & Interest: $3,240
Property taxes (est.): $778
Insurance (est.): $390
Estimated Total Monthly
$4,409
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 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.

Cost to own

Taxes & assessment

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

YearMarket valueTaxable valueChange
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: ~$9,300/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

  • Sep 12, 2026Price change$585,000−$17,000
  • 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.

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 $259/sq ft; this home is listed at $187/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1718 Pepper Stone Court, St. Augustine, FL 32092Listed by UNITED REAL ESTATE GALLERYSep 2026$760,000$2595/32,933160.8
214 Silver Pine Drive, St. Augustine, FL 32092Listed by KELLER WILLIAMS ST JOHNSAug 2026$780,000$2934/32,66111
151 Silver Pine Drive, St. Augustine, FL 32092Listed by EXP REALTY LLCSep 2026$799,000$3004/32,661181.1
776 Eagle Point Drive, St. Augustine, FL 32092Listed by UNITED REAL ESTATE GALLERYSep 2026$640,000$2414/32,661731.2
1005 Meadow View Lane, St. Augustine, FL 32092Listed by PREMIER HOMES REALTY INCSep 2026$785,000$2265/3.53,46951.2
637 Watervale Drive, St. Augustine, FL 32092Listed by LPT REALTY LLCSep 2026$520,000$2364/32,2041511.6

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$585,000
Price / Sq Ft$187
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

Zoned elementaryLiberty Pines Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryLiberty Pines Academy
Reported middleLiberty Pines Academy
Reported highBeachside
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

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

Exterior

Patio / PorchPatio, Screened
FencingFenced
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMay 19, 2026
Days on Market150
HOA Fees$217 / Quarterly
HOA FrequencyQuarterly
Tax Amount$8,652.4
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LEGACY BRIDGE REALTY

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.

The neighborhood

About Glen St Johns

Glen St Johns is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.

View all Glen St Johns homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

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10/17/2026

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