This home is in St. Augustine.
Active·48 days on market
430 Coopers Cove Road
St. Augustine, FL 32095
About this home
St. Augustine
Private Coastal Retreat: Marsh Front Living on 1.94 Acres. Escape to a secluded sanctuary where nature meets versatility. This light-filled 3- bedroom, 2-bathroom home is perfectly positioned on a sprawling marsh front lot, tucked away on a private dirt/gravel road and nestled under a majestic canopy of ancient oak trees.Experience the best of Florida's coastal landscape with direct frontage on Stokes Creek. This tidal waterway offers a serene backdrop for birdwatchers and a launchpad for adventure.*Navigable Access: High-tide access leads directly to the Intercoastal Waterway, making this a true kayak angler's paradise. (Access to neighborhood boat ramp for larger boats) Large Professional Workshop: Equipped with 240V power, ready for heavy machinery, woodshop tools, or an EV charging setup.Covered Parking: Dedicated, high-clearance covered storage for your boat or RV, keeping your toys protected from the elements.No HOA and No flood insurance requirements!
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $471,037 | $243,363 | — |
| 2024 | $436,184 | $235,797 | — |
| 2023 | $439,314 | $227,473 | — |
| 2022 | $418,021 | $219,391 | — |
| 2021 | $298,308 | $211,545 | — |
| 2020 | $300,743 | $207,934 | — |
2025 property taxes (current owner): $3,787/yr
Estimated taxes if purchased at asking price: ~$13,200/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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1978)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,575 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 29, 2026Listed$825,000
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: JOHN WOLFEL REAL ESTATE LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
Similar homes in St. Augustine
Your Local Expert
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines