This home is in St. Augustine.
Active·51 days on market
132 Summerhill Circle
St. Augustine, FL 32086
About this home
St. Augustine
Remodeled, modern & move-in ready, this corner-lot home offers a split floor plan, an upstairs bonus suite, and a long list of recent updates. The roof is less than 4 years old, and the home includes an owned water treatment system. Interior updates include fresh tile flooring, updated baseboards, new blinds, and modern interior lighting throughout. The kitchen features new countertops, a new sink & faucet, an osmosis water filtration system, & newer appliances, including the refrigerator, stove & dishwasher. The upstairs bonus suite includes its own full bath and walk-in closets, making it a great option for guests, office space, media room or additional living area. Additional improvements include new washer & dryer, updated bathroom vanity, new toilets and faucets, updated exterior lighting, a new garage door opener, and newly installed gutters. Summerhill is centrally located near everyday conveniences, shopping, dining, and St. Augustine attractions. The home offers
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
Last sold: $415,000 in March 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $359,431 | $308,709 | — |
| 2024 | $384,322 | $384,322 | — |
| 2023 | $384,322 | $384,322 | — |
| 2022 | $346,196 | $136,307 | — |
| 2021 | $221,496 | $130,881 | — |
| 2020 | $249,016 | $128,384 | — |
2025 property taxes (current owner): $4,653/yr
Estimated taxes if purchased at asking price: ~$7,200/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: Shingle — year not disclosed (home built 2005)
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: ~1,767 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 26, 2026Listed$449,000
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: FLORIDA HOMES REALTY & MTG LLC
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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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines