This home is in St. Augustine.
Active·45 days on market
472 Ridgeway Road
St. Augustine, FL 32080
About this home
St. Augustine
Walk or bike to the beach from this beautifully designed 4-bedroom, 3-bath coastal residence in the highly sought-after Ocean Ridge community of St. Augustine Beach. Built by Riverside Homes in 2020, this thoughtfully designed home offers 2,727 square feet of living space with timeless coastal style and modern comfort. A welcoming front porch leads into an open-concept floor plan featuring soaring vaulted and beamed ceilings, luxury vinyl plank flooring, and abundant natural light throughout. The gourmet kitchen showcases floor-to-ceiling white shaker cabinetry, granite countertops, a herringbone tile backsplash, built-in Bosch appliances, a large center island, and a butler's pantry. The flexible layout includes a private study, first-floor guest suite, spacious owner's retreat, and an upstairs loft opening to a covered balcony. French doors lead to the covered lanai and backyard with room for a future pool beneath beautiful mature live oaks.
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, 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
Last sold: $1,151,000 in January 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,122,672 | $998,359 | — |
| 2024 | $1,071,687 | $969,515 | — |
| 2023 | $989,820 | $939,820 | — |
| 2022 | $886,122 | $768,038 | — |
| 2021 | $698,216 | $698,216 | — |
| 2020 | $210,000 | $210,000 | — |
2025 property taxes (current owner): $16,699/yr
Estimated taxes if purchased at asking price: ~$23,900/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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,753 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.
History
Price & status history
- Jun 13, 2026Listed$1,495,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
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