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This home is in Crescent Shores U 1, St. Augustine — a new construction home in St. Johns County.

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Active

Active·41 days on market·Crescent Shores U 1

89 Crescent Shores Road

St. Augustine, FL 32086

$598,990$225/sqftEst. $3,292/mo mortgageMLS# 2146770

Beds

3.5

Baths

2,665

Sq Ft

2026

Built

Garage

Pool

8 more homes for sale in Crescent Shores U 1 →Search Crescent Shores U 1 on the map

FEMA Zone XHOA $95/mo10,890 sqft lotSingle Family Residence1 storyNew construction

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About this home

Crescent Shores U 1

Hammock B One Story features the Harmony Collection - where rustic meets elegance, making a new home feel like you've lived here forever. Open Gourmet Kitchen with Gray Mist Cabinetry, Quartz Countertops, roomy island, walk in pantry all overlooking great room complete with Linear Fireplace, dining room offers a butler's pantry and plenty of room for your favorite dining set. 10' ceiling, Luxury Vinyl Plank floors. Large flex room. Two bedrooms, share a bath, the Third has its own private bath. Primary Bedroom and bath offers a Freestanding tub, plus a step in shower. All homes have individual private wells for irrigation. Welcome Home to Crescent Shores, a 36 homesite neighborhood within an established area. Only 7 minutes to Crescent Beach, 20 minutes to the heart of America's Oldest City- The St Augustine Fort, Historic District & Great Restaurants. 6 minutes to interstate I95! Crescent Shores offers the perfect balance of coastal relaxation, historic charm & modern conveniences.

Next steps in Crescent Shores U 1

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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 · 7.32% · 30yr$3,292

Property taxesest. at asking price, St. Johns County$797

HOAbilled annually$95

Estimated total, before insurance$4,184/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$598,990

Down Payment: 20%

$119,798

Interest Rate: 7.32%

Loan Term

Monthly Payment

$3,292

Principal & Interest: $3,292

Property taxes (est.): $797

Insurance (est.): $399

Estimated Total Monthly

$4,488

*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 2026)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,363 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Closest beach parking
Crescent Beach Park
9 min drive · 104 parking spaces
Closest park or preserve
Moses Creek Conservation Area
5 min drive · 7.6 mi of trails
Closest public boat ramp
Frank B Butler Park West
about 3 mi · Matanzas River
Closest kayak & paddleboard launch
206 Causeway Kayak Beach
about 3 mi
Closest youth league fields
Gamble Rogers School Fields
6 min drive · Soccer
Closest grocery store
Aldi
5 min drive · 181 Blackford Way, St. Augustine

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:31 AM, sunset 6:48 PM.

The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

Sep 23, 2026Price change$598,990+$4,605
May 22, 2026Listed$594,385

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 $225/sq ft; this home is listed at $225/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
119 Duck Pond Drive, St. Augustine, FL 32086Listed by ST AUGUSTINE REALTY	Mar 2026	$465,000	$214	3/2.5	2,168	314	0.1
116 Cereus Lane, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE	Jun 2026	$670,000	$225	5/3	2,983	20	0.3
391 Ocean Jasper Drive, St. Augustine, FL 32086Listed by FLORIDA HOMES REALTY & MTG LLC	Mar 2026	$525,000	$222	3/3	2,361	41	0.4
282 Parkwood Circle, St. Augustine, FL 32086Listed by ENTERA REALTY LLC	Sep 2025	$364,900	$196	4/2	1,866	21	0.4
105 Gypsum Place, St. Augustine, FL 32086Listed by RE/MAX SPECIALISTS	Aug 2026	$705,000	$252	4/3.5	2,798	83	0.5
605 Mary Jane Lane, St. Augustine, FL 32086Listed by CENTURY 21 ST AUGUSTINE PROPERTIES	Aug 2026	$465,000	$227	3/2	2,052	4	0.5

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$598,990

Price / Sq Ft$225

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,665

Total Structure Area2,665 sq ft

Acres0.25 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesSouth

School Information

Zoned elementarySouth Woods Elementary School

Zoned middleGamble Rogers Middle School

Zoned highPedro Menendez High School

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.

Reported elementarySouth Woods

Reported middleGamble Rogers

Reported highPedro Menendez

Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address89 Crescent Shores Road, St. Augustine, FL 32086

Area337-Old Moultrie Rd/Wildwood

SubdivisionCrescent Shores U 1

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Lot Size10,890 sq ft

Lot Dimensions66x155

Parcel Number1833910320

ZoningResidential

Amenities

Community FeaturesSidewalks, Street Lights

UtilitiesCable Available, Electricity Available, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Butler Pantry, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesDisposal, Double Oven, Electric Cooktop, Electric Oven, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionFew Trees

Patio / PorchCovered, Patio

RoofShingle

ConstructionFiber Cement, Frame

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedSeptember 11, 2026

Days on Market120

HOA Fees$1,140 / Annually

HOA FrequencyAnnually

HOA NameCrescent Shores

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: ASHTON WOODS FLORIDA REALTY 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 Crescent Shores U 1

Crescent Shores U 1 is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.

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