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

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Pending

Pending·146 days on market·Beacon Lake

85 Nightfall Court

St. Augustine, FL 32095

$814,900$281/sqftEst. $4,514/moMLS# 2146599
↓ $15,000 below original list
3
Beds
3.5
Baths
2,902
Sq Ft
2024
Built
3
Garage
No
Pool

19 more homes for sale in Beacon Lake →Search Beacon Lake on the map

FEMA Zone XHOA $6/mo14,810 sqft lotSingle Family Residence2 stories

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About this home

Beacon Lake

A rare combination of a true 3-car garage, peaceful preserve views and a quiet cul-de-sac location makes this Toll Brothers Delmore Elite in Beacon Lake stand out. Built in 2024 and ideally positioned near the new Lakeside Academy K-8 school and Beacon Lake's resort-style amenities, this move-in-ready home offers privacy, convenience and the benefit of numerous upgrades already in place. The light-filled open floor plan features 3 bedrooms, 3.5 baths, a dedicated oversized office and an added second-floor retreat with a half bath--ideal for a media room, guest space, game room or additional living area. Elevated finishes and thoughtful upgrades include tray ceilings, plantation shutters, a water softener, reverse osmosis system in the kitchen and a Nu-Calgon whole-house air filtration system.

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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$4,514
Property taxesest. at asking price, St. Johns County$1,084
HOAbilled annually$6
Estimated total, before insurance$5,604/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$814,900
$162,980
Loan Term
Monthly Payment
$4,514
Principal & Interest: $4,514
Property taxes (est.): $1,084
Insurance (est.): $543
Estimated Total Monthly
$6,141
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 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.

Cost to own

Taxes & assessment

Last sold: $866,000 in May 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
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: ~$13,000/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 22, 2026Pending$814,900
  • Sep 10, 2026Active Under Contract$814,900
  • Sep 3, 2026Price change$814,900−$5,000
  • 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.

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 $233/sq ft; this home is listed at $281/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
65 Stargaze Lane, St. Augustine, FL 32095Listed by BLUEFIN REAL ESTATE GROUPSep 2026$525,000$2263/2.52,328250.2
180 Loosestrife Way, St. Augustine, FL 32095Listed by KELLER WILLIAMS ST JOHNSOct 2026$945,000$2555/43,7022040.3
368 Stargaze Lane, St. Augustine, FL 32095Listed by BLUEFIN REAL ESTATE GROUPAug 2026$540,000$2604/2.52,075500.4
204 Silver Creek Place, St. Augustine, FL 32095Listed by EXP REALTY LLCSep 2026$530,000$2334/2.52,2701250.8
129 Silver Creek Place, St. Augustine, FL 32095Listed by MARK SPAIN REAL ESTATEOct 2026$447,000$1803/2.52,477340.9
53 Lumen Court, St. Augustine, FL 32095Listed by COLDWELL BANKER ANABASIS REALTYOct 2026$750,000$2264/43,315681.1

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$814,900
Price / Sq Ft$281
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,902
Acres0.34 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusPending
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

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)
Community FeaturesSidewalks, Suburban, Curbs
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)

Exterior

Lot DescriptionCul-De-Sac, Many Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchPatio, Porch, Rear Porch
RoofShingle
ConstructionWood Siding
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedMay 22, 2026
Days on Market111
HOA Fees$70 / Annually
HOA FrequencyAnnually
Tax Amount$11,849.59
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COMPASS FLORIDA LLC

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 Beacon Lake

Beacon Lake is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.

View all Beacon Lake 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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