This home is in Mill Creek, St. Augustine.

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Active Under Contract

Active Under Contract·55 days on market·Mill Creek

5187 Farm Creek Road

St. Augustine, FL 32092

$899,000$506/sqftEst. $4,785/moMLS# 2146642

Beds

Baths

1,776

Sq Ft

2014

Built

—

Garage

Pool

About this home

Mill Creek

RARE OPPORTUNITY Experience the ultimate homestead lifestyle on this stunning 5 acre estate in Mill Creek Estates near World Golf Village. Bring your horses, chickens, and goats because this property offers the freedom of country living with NO HOA or CDD fees. Built in 2014, this move in ready home features a modern open concept split floor plan with vaulted ceilings and floor to ceiling windows that flood the space with natural light. Zero carpet Enjoy durable wood look tile throughout. The updated kitchen features bar seating and a spacious dining area perfect for hosting. Need a home office or gym? The flexible bonus space has you covered. Step outside to your own private oasis. Fish in your private stocked pond, relax by the stone fire pit, or retreat to the newly added insulated AC equipped She Shed which is perfect for a studio or quiet office. There is massive space for RVs, boats, and all your toys.

Cost to own

Mortgage calculator

Home Price

$899,000

Down Payment: 20%

$179,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,570

Principal & Interest: $4,570

Est. Taxes & Insurance: $1,142

Estimated Total Monthly

$5,712

*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$4,785

Property taxesest. at asking price, St. Johns County$1,196

Estimated total, before insurance$5,981/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: $910,000 in February 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$747,090	$747,090	—
2024	$742,045	$272,600	—
2023	$543,436	$265,651	—
2022	$506,515	$252,368	—
2021	$366,777	$243,561	—
2020	$373,533	$239,508	—

2025 property taxes (current owner): $10,396/yr

Estimated taxes if purchased at asking price: ~$14,400/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.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2014)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,687 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 22, 2026Listed$899,000

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

Features

Price$899,000

Price / Sq Ft$506

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,776

Acres5.00 acres

Year Built2014

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive Under Contract

Has PoolNo

Is WaterfrontNo

Community Information

Address5187 Farm Creek Road, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionMill Creek

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size217,800 sq ft

Parcel Number0288240400

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingAdditional Parking, Carport, Gated, RV Access/Parking, Secured

ViewPond, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Vinyl

FireplaceYes

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup