This home is in St. Augustine.
Active·55 days on market
5 Santa Maria Lane
St. Augustine, FL 32080
About this home
St. Augustine
Nestled on just over half an acre at the quiet end of a private street, only steps from the beach and with no HOA restrictions, this beautifully reimagined coastal retreat offers over 5,200 square feet under roof and an exceptional blend of luxury, comfort, and long-term peace of mind. Lovingly maintained by only one owner, the residence carries a rare sense of history and care that is difficult to replicate. Thoughtfully renovated from top to bottom, every inch of the property has been carefully curated to deliver a refined yet effortless lifestyle, with ample room to add an ancillary structure, guest house, detached garage, or additional outdoor living space. This is more than simply a home you walk through, it is a home that is felt from the moment you arrive, where every space was intentionally designed to create warmth, connection, and an elevated coastal living experience.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $1,337,339 | $366,704 | — |
| 2024 | $1,279,813 | $360,521 | — |
| 2023 | $1,270,420 | $348,564 | — |
| 2022 | $1,299,994 | $336,955 | — |
| 2021 | $1,002,860 | $325,684 | — |
| 2020 | $717,783 | $320,497 | — |
2025 property taxes (current owner): $6,724/yr
Estimated taxes if purchased at asking price: ~$24,000/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.
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Metal — year not disclosed (home built 1989)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts
County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,787 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 homeInformational 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$1,499,999
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines