This home is in Beacon Lake, St. Augustine.

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Active Under Contract

Active Under Contract·45 days on market·Beacon Lake

546 Stargaze Lane

St. Augustine, FL 32095

$599,000$239/sqftEst. $3,188/moMLS# 2148394

Beds

Baths

2,507

Sq Ft

2023

Built

Garage

Pool

About this home

Beacon Lake

BETTER THAN NEW!!! Beautifully upgraded and maintained 4-bedroom, 3-bathroom Beacon Lake home featuring great indoor and outdoor living spaces with a HUGE fenced in PRESERVE LOT! Inside you will find an open floor plan with tile flooring throughout, a GOURMET kitchen with GAS cooktop and large island, crown molding, upgraded light fixtures, recessed lighting, and shiplap accent walls in the living room. Downstairs has a bedroom and full bathroom as well! Hardwood stairs will take you to the spacious loft with a beautiful LARGE built-in, perfect for a media room, office, or additional living space as well as 3 bedrooms including the primary with screened in BALCONY and laundry room with washer and dryer which convey! Whole home water softener as well! Enjoy Florida living out back just beyond the hidden 3-panel multi-slide glass door with a HUGE summer kitchen equipped with a built in gas grill, fridge AND a spot for your komodo style grill while enjoying the LARGE

Cost to own

Mortgage calculator

Home Price

$599,000

Down Payment: 20%

$119,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,045

Principal & Interest: $3,045

Est. Taxes & Insurance: $761

Estimated Total Monthly

$3,806

*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$3,188

Property taxesest. at asking price, St. Johns County$797

HOAbilled annually$5

Estimated total, before insurance$3,991/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

Last sold: $604,000 in November 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$512,754	$512,754	—
2024	$503,371	$503,371	—
2023	$85,000	$85,000	—

2025 property taxes (current owner): $10,097/yr

Estimated taxes if purchased at asking price: ~$9,600/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 — 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: material not specified — year not disclosed (home built 2023)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

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$599,000
Jun 2, 2026Listed$599,000

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

Features

Price$599,000

Price / Sq Ft$239

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,507

Acres0.23 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address546 Stargaze Lane, St. Augustine, FL 32095

Area304- 210 South

SubdivisionBeacon Lake

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size10,018.8 sq ft

Parcel Number0237250630

Amenities

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Covered, Garage, Garage Door Opener, Off Street

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Freezer, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2