Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

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Active

Active·100 days on market·Crescent Shores U 1

89 Crescent Shores Road

St. Augustine, FL 32086

$594,385$223/sqftEst. $3,056/moMLS# 2146770

Beds

Baths

2,665

Sq Ft

2026

Built

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$594,385

Down Payment: 20%

$118,877

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,056

Principal & Interest: $3,056

Property taxes (est.): $791

Insurance (est.): $396

Estimated Total Monthly

$4,243

*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$3,056

Property taxesest. at asking price, St. Johns County$791

HOAbilled annually$95

Estimated total, before insurance$3,942/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.

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.

History

Price & status history

May 22, 2026Listed$594,385

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

Features

Price$594,385

Price / Sq Ft$223

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

ElementarySouth Woods

MiddleGamble Rogers

HighPedro Menendez

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

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