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This home is in Oakbrook, St. Augustine.

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Active

Active·100 days on market·Oakbrook

3400 Kings Road S

St. Augustine, FL 32086

$549,999$249/sqftEst. $2,828/moMLS# 2146681

Beds

Baths

2,210

Sq Ft

1999

Built

Garage

Pool

About this home

Oakbrook

Welcome to this beautiful single-family concrete block residence, perfectly blending modern efficiency, peace of mind, and an unbeatable location. Situated on an expansive lot of over half an acre (0.52 acres) in the peaceful Oakbrook subdivision, this property offers incredible space, privacy, and a sprawling yard. Step inside to find dramatic vaulted ceilings and a stunning double-sided fireplace featuring custom stained-glass doors. Major structural updates provide ultimate worry-free living, anchored by a new metal roof installed in 2024 featuring a fully transferable warranty, a top-tier new HVAC system (2022), and a dedicated well irrigation system to keep your lawn lush and green year-round. Best of all, you will never have to worry about power outages thanks to a whole-house Generac generator system ensuring uninterrupted comfort.

Cost to own

Mortgage calculator

Home Price

$549,999

Down Payment: 20%

$110,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,828

Principal & Interest: $2,828

Property taxes (est.): $732

Insurance (est.): $367

Estimated Total Monthly

$3,926

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,828

Property taxesest. at asking price, St. Johns County$732

HOAbilled monthly$100

Estimated total, before insurance$3,659/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,109/yr · $259/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

Year	Market value	Taxable value	Change
2025	$492,260	$194,073	—
2024	$499,636	$187,755	—
2023	$463,666	$180,684	—
2022	$444,997	$178,319	—
2021	$306,122	$171,654	—
2020	$303,787	$168,587	—

2025 property taxes (current owner): $3,109/yr

Estimated taxes if purchased at asking price: ~$8,800/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: Metal — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Septic system (public record) · Public water · St Johns County Utilities - water accounts

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: ~1,444 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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