This home is in Glen St Johns, St. Augustine.

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Active

Active·58 days on market·Glen St Johns

28 Spanish Bay Drive

St. Augustine, FL 32092

$617,500$197/sqftEst. $3,287/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

$617,500

Down Payment: 20%

$123,500

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,139

Principal & Interest: $3,139

Est. Taxes & Insurance: $785

Estimated Total Monthly

$3,923

*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$3,287

Property taxesest. at asking price, St. Johns County$822

HOAbilled quarterly$72

Estimated total, before insurance$4,181/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: $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: ~$9,900/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

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

May 19, 2026Listed$617,500

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

Features

Price$617,500

Price / Sq Ft$197

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