Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in St. Augustine — a home near Pedro Menendez High School.

1 / 100

Active

Active·89 days on market

825 Faver Dykes Road

St. Augustine, FL 32086

$899,000$291/sqftEst. $4,622/moMLS# 2148269

Beds

Baths

3,094

Sq Ft

1976

Built

Garage

Pool

About this home

St. Augustine

Waterfront Living. No HOA. A Rare Old Florida Retreat. Welcome to 825 Faver Dykes Road, a one-of-a-kind waterfront estate where timeless Old Florida charm meets modern comfort. Nestled on 3.42 private acres along scenic Pellicer Creek, this beautifully renovated home offers exceptional privacy, breathtaking water views, and the freedom of no HOA. Extensively renovated in 2013, with a significant addition completed in 2014 that expanded the home by approximately 1,000 square feet and added a split three-car garage, this impressive residence offers 3,094 square feet of thoughtfully designed living space. The property boasts the largest water frontage on Pellicer Creek, creating an extraordinary setting for those seeking a true waterfront lifestyle.Inside, you'll find 4 spacious bedrooms, 3.5 bathrooms, and a dedicated first-floor office that can easily serve as a fifth bedroom or guest suite and rich wood flooring throughout the main living areas create an inviting atmosphere.

Cost to own

Mortgage calculator

Home Price

$899,000

Down Payment: 20%

$179,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,622

Principal & Interest: $4,622

Property taxes (est.): $1,196

Insurance (est.): $599

Estimated Total Monthly

$6,417

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$4,622

Property taxesest. at asking price, St. Johns County$1,196

Estimated total, before insurance$5,818/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,225/yr · $435/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, 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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$782,584	$351,149	—
2024	$632,120	$340,545	—
2023	$640,574	$329,170	—
2022	$713,945	$318,126	—
2021	$460,779	$307,404	—
2020	$447,507	$302,469	—

2025 property taxes (current owner): $5,225/yr

Estimated taxes if purchased at asking price: ~$14,400/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: Metal — year not disclosed (home built 1976)

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: ~1,780 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

As 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.

History