This home is in Marsh Creek, St. Augustine.

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Active Under Contract

Active Under Contract·45 days on market·Marsh Creek

170 Herons Nest Lane

St. Augustine, FL 32080

$1,899,000$488/sqftEst. $10,107/moMLS# 2148022

Beds

Baths

3,890

Sq Ft

2004

Built

Garage

Yes

Pool

About this home

Marsh Creek

This is a rare opportunity to own one of the most sought-after floor plans in Marsh Creek. Located on the Intracoastal Waterway, the home offers incredible water views, amazing sunsets, and a setting that is hard to find. Built with concrete block construction and meticulously maintained by the current owners, this home shows pride of ownership throughout. The layout is ideal for both everyday living and entertaining, with spacious gathering areas and a seamless flow between indoor and outdoor spaces. The backyard is designed to take full advantage of the view, featuring a pool, hot tub, and plenty of space to relax or host family and friends. An oversized three-car garage provides ample storage for vehicles, golf carts, and recreational equipment. Upstairs, the bonus room with a full bath offers flexible space for guests, a game room, additional home office, or media room.

Cost to own

Mortgage calculator

Home Price

$1,899,000

Down Payment: 20%

$379,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$9,652

Principal & Interest: $9,652

Est. Taxes & Insurance: $2,413

Estimated Total Monthly

$12,065

*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$10,107

Property taxesest. at asking price, St. Johns County$2,527

HOAbilled quarterly$227

Estimated total, before insurance$12,861/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

Year	Market value	Taxable value	Change
2025	$1,400,691	$780,256	—
2024	$1,232,535	$757,559	—
2023	$1,179,905	$734,038	—
2022	$1,258,435	$711,202	—
2021	$859,250	$689,031	—
2020	$813,718	$678,827	—

2025 property taxes (current owner): $11,048/yr

Estimated taxes if purchased at asking price: ~$30,300/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: Tile — year not disclosed (home built 2004)

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: ~1,778 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 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 8, 2026Active Under Contract$1,899,000
Jun 1, 2026Listed$1,899,000

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

Features

Price$1,899,000

Price / Sq Ft$488

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,890

Acres0.50 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated, Screen Enclosure

Is WaterfrontYes

Gated CommunityYes

Direction FacesEast

School Information

ElementaryR. B. Hunt

MiddleSebastian

HighSt. Augustine

Community Information

Address170 Herons Nest Lane, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionMarsh Creek

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Lot Size21,780 sq ft

Lot Dimensions90x93x142x125x245

Parcel Number1725490110

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Management - Full Time, Management - Off Site, Playground, Security, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Circular Driveway, Garage

ViewIntracoastal, Water

Waterfront TypeMarsh

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level

Security24 Hour Security, Gated with Guard

Spa FeaturesIn Ground, Heated