This home is in Oakbrook, St. Augustine.

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Active

Active·55 days on market·Oakbrook

3400 Kings Road S

St. Augustine, FL 32086

$599,999$271/sqftEst. $3,193/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

$599,999

Down Payment: 20%

$120,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,050

Principal & Interest: $3,050

Est. Taxes & Insurance: $762

Estimated Total Monthly

$3,812

*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$3,193

Property taxesest. at asking price, St. Johns County$798

HOAbilled monthly$100

Estimated total, before insurance$4,092/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

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: ~$9,600/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

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