This home is in Ravenswood Village, St. Augustine.

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Active Under Contract

Active Under Contract·50 days on market·Ravenswood Village

122 Elmhurst Lane

St. Augustine, FL 32084

$218,000$197/sqftEst. $1,160/moMLS# 2147353

Beds

Baths

1,109

Sq Ft

2024

Built

—

Garage

Pool

About this home

Ravenswood Village

2 YEARS NEW! Convenient town home in St. Augustine, FL (both rooms have a full bathroom and walk in closets), Quick commuting with I-95 close, minutes from Historic Downtown St. Augustine, Vilano Beach, shopping, dining, & colleges! This home offers low-maintenance, smart home features, green features, and transferable warranties. Queen Murphy bed/ desk comes with! Smart thermostat with app, Keyless entry, Doorbell camera, Alexa-connected light switches, Pre-wired for Safe Haven security system, New Alexa Echo device included. Modern fans/lights added in all rooms, and patio for comfort. RWC 10-year limited warranty included. Transferable Builder/Product Warranties: 30-year limited transferable warranty on James Hardie siding, shingles, 15-year express limited warranty on fiber cement exterior trim, 25-year transferable warranty on vertical siding. Copy of home survey provided to save buyers the cost! Read Private remarks or contact agent for info on Assumable FHA loan 4.99%.

Cost to own

Mortgage calculator

Home Price

$218,000

Down Payment: 20%

$43,600

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,108

Principal & Interest: $1,108

Est. Taxes & Insurance: $277

Estimated Total Monthly

$1,385

*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$1,160

Property taxesest. at asking price, St. Johns County$290

HOAbilled quarterly$108

Estimated total, before insurance$1,559/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: $2,242,800 in March 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$189,820	$70,291	—
2024	$40,000	$40,000	—

2025 property taxes (current owner): $1,112/yr

Estimated taxes if purchased at asking price: ~$3,500/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 2024)

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

Price & status history

Jul 16, 2026Active Under Contract$218,000
May 27, 2026Listed$218,000

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

Features

Price$218,000

Price / Sq Ft$197

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,109

Acres0.03 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

Has PoolNo

Is WaterfrontNo

Community Information

Address122 Elmhurst Lane, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionRavenswood Village

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size1,306.8 sq ft

Parcel Number0948522950

ZoningResidential

Amenities

AmenitiesMaintenance Grounds, Trash

UtilitiesCable Available, Sewer Connected, Sewer Not Available, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyDoors, Windows

ParkingAssigned, Parking Lot

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Vinyl

FireplaceYes

Fireplace FeaturesElectric, Free Standing

# of Stories2

LevelsTwo

LaundryIn Unit

SecuritySecurity System Owned, Smoke Detector(s)