This home is in St. Augustine — a pool home in St. Johns County.
Sold·Closed Jul 17, 2026·7 days on market·Recent sales in St. Augustine
4945 Moultrie Reserve Court
St. Augustine, FL 32086
About this home
St. Augustine
Set on 1.24 acres in town with no HOA, this pool home offers rare concrete block construction and a level of space, privacy, and flexibility that is incredibly hard to find in St. Augustine. Built in 2006, the home has been updated with a new HVAC system with smart thermostat in 2025, a new roof in 2022, and a propane tankless water heater. This property offers something truly hard to replicate in town with a 26x24 storage building on a concrete slab at the rear of the property, an attached tall carport for boats, campers, and outdoor toys, plus room to enjoy the land. Designed for both everyday comfort and easy entertaining, the main living areas feature an open floor plan, a gas fireplace, and beautiful views out to the screened lanai, heated pool, and backyard.
Next steps in St. Augustine
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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 — 2022 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,640 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 homeAs of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $483,210 | $483,210 | — |
| 2024 | $444,143 | $215,673 | — |
| 2023 | $372,964 | $203,354 | — |
| 2022 | $352,937 | $195,975 | — |
| 2021 | $244,693 | $188,811 | — |
| 2020 | $235,514 | $185,514 | — |
2025 property taxes (current owner): $6,842/yr
Estimated taxes if purchased at asking price: ~$9,700/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.
History
Price & status history
- Jul 17, 2026Closed$615,000
- Jul 9, 2026Pending$615,000
- Jun 1, 2026Listed$615,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $234/sq ft; this home is listed at $324/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 38 Litke Lane, St. Augustine, FL 32086Listed by DAVIDSON REALTY, INC. | Aug 2026 | $365,000 | $160 | 3/2.5 | 2,280 | 333 | 0.4 |
| 44 Moonbeam Road, St. Augustine, FL 32086Listed by NON MLS (realMLS) | Aug 2026 | $365,860 | $273 | 3/2 | 1,342 | 0 | 0.5 |
| 179 Adalyn Avenue, St. Augustine, FL 32086Listed by AXEN REALTY LLC | Aug 2026 | $560,000 | $234 | 3/2 | 2,390 | 315 | 0.8 |
| 756 Crestwood Drive, St. Augustine, FL 32086Listed by ENDLESS SUMMER REALTY | Aug 2026 | $339,900 | $214 | 2/2 | 1,592 | 1 | 0.8 |
| 5540 Datil Pepper Road, St. Augustine, FL 32086Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2026 | $515,000 | $335 | 3/2 | 1,536 | 51 | 0.8 |
| 404 Talbot Bay Drive, St. Augustine, FL 32086Listed by ENTERA REALTY LLC | Sep 2026 | $350,000 | $148 | 3/2 | 2,357 | 382 | 0.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COMPASS FLORIDA LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Keep looking
Similar homes in St. Augustine
Explore the area
More in St. Augustine
St. Augustine guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 17, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ 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