This home is in Courtney Oaks, St. Augustine.

Active

Active·50 days on market·Courtney Oaks

177 Pine Grove Point

St. Augustine, FL 32092

$929,000$274/sqftEst. $4,945/moMLS# 2147260

Beds

Baths

3,391

Sq Ft

2026

Built

Garage

Pool

About this home

Courtney Oaks

Be in your brand new home for the holidays!! Custom floorplan design by Ashley Homes. Why have the same floorplan as others when you can have something totally unique?! We took our 2899 floorplan and created a stunning 2 story family room with an overlook from the bonus! If you take this home over early enough, you can still make design selections (some upgraded options already included in price!)

Cost to own

Mortgage calculator

Home Price

$929,000

Down Payment: 20%

$185,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,722

Principal & Interest: $4,722

Est. Taxes & Insurance: $1,180

Estimated Total Monthly

$5,902

*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$4,945

Property taxesest. at asking price, St. Johns County$1,236

HOAbilled annually$100

Estimated total, before insurance$6,281/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

Last sold: $5,040,000 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$225,000	$225,000	—
2024	$225,000	$225,000	—
2023	$140,000	$140,000	—
2022	$39,200	$39,200	—

Estimated taxes if purchased at asking price: ~$14,800/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 F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: material not specified — year not disclosed (home built 2026)

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

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