Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Beacon Lake, St. Augustine — a home near Beachside High School.

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Active

Active·83 days on market·Beacon Lake

85 Nightfall Court

St. Augustine, FL 32095

$819,900$283/sqftEst. $4,219/moMLS# 2146599

Beds

Baths

2,902

Sq Ft

2024

Built

Garage

Pool

About this home

Beacon Lake

Set on a quiet cul-de-sac on a premium lot and backing to a private preserve, this exceptional Toll Brothers Delmore Elite with the added 2nd floor delivers the rare combination of elevated design, like-new condition, and a setting that feels both serene and expansive. Thoughtfully upgraded throughout including tray ceilings, extended covered lanai, plantation shutters, water softener, reverse osmosis in the kitchen, Nu-Calgon whole house air filtration system and more! The home showcases a light-filled open layout with refined finishes, clean lines, and effortless flow--ideal for both everyday living and entertaining. An oversized private office provides the perfect work-from-home space, while a spacious upstairs retreat with a convenient half bath offers flexibility for a media room, guest suite, or second living area.

Cost to own

Mortgage calculator

Home Price

$819,900

Down Payment: 20%

$163,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$4,219

Principal & Interest: $4,219

Property taxes (est.): $1,091

Insurance (est.): $547

Estimated Total Monthly

$5,857

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$4,219

Property taxesest. at asking price, St. Johns County$1,091

HOAbilled annually$6

Estimated total, before insurance$5,316/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,850/yr · $987/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: $866,000 in May 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$634,440	$583,718	—
2024	$145,000	$99,000	—
2023	$90,000	$90,000	—

2025 property taxes (current owner): $11,850/yr

Estimated taxes if purchased at asking price: ~$13,100/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.

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 2024)

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

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 6, 2026Price change$819,900−$10,000
May 22, 2026Listed$829,900

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

Features

Price$819,900

Price / Sq Ft$283

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,902

Acres0.34 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address85 Nightfall Court, St. Augustine, FL 32095

Area304- 210 South

SubdivisionBeacon Lake

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size14,810.4 sq ft

Parcel Number0237251850

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Dryer, Electric Oven, Electric Water Heater, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryLower Level, Sink

SecuritySmoke Detector(s)