This home is in Beacon Lake, St. Augustine.

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Active Under Contract

Active Under Contract·45 days on market·Beacon Lake

99 Hutchinson Lane

St. Augustine, FL 32095

$998,000$267/sqftEst. $5,073/moMLS# 2148415

Beds

Baths

3,733

Sq Ft

2023

Built

Garage

Pool

About this home

Beacon Lake

Having ''enough space'' shouldn't be a compromise. This impeccable home delivers space for everyone. The first-floor primary suite is your private sanctuary. A dedicated office for when you need to focus. Open kitchen & living area for gathering. Formal dining room for the holidays you've been volunteering to host. Flex room for everything else. Upstairs, two en suite bedrooms mean guests arrive happy and leave without complaints. Two additional bedrooms and a shared bath on the main floor handle the rest of the crew with ease. Screened lanai for relaxing. 3-car garage. Step outside and all that Beacon Lake has to offer takes over. Paddle on the 43-acre lake on a Saturday morning. Let the dog run at the bark park while the kids hit the splash pad. Grab a racquet and hit the tennis courts, then wind down by the fire pit as the Florida sun does its thing. This is the part of Saint Augustine people don't want to tell their friends about. Because once word gets out, everyone wants in.

Cost to own

Mortgage calculator

Home Price

$998,000

Down Payment: 20%

$199,600

Interest Rate: 6.55%

Loan Term

Monthly Payment

$5,073

Principal & Interest: $5,073

Est. Taxes & Insurance: $1,268

Estimated Total Monthly

$6,341

*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 · 6.55% · 30yr$5,073

Property taxesest. at asking price, St. Johns County$1,328

HOAbilled annually$5

Estimated total, before insurance$6,406/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: $983,200 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$734,300	$678,578	—
2024	$723,190	$668,190	—
2023	$120,000	$80,526	—
2022	$95,200	$73,205	—
2021	$70,000	$66,550	—
2020	$70,000	$60,500	—

2025 property taxes (current owner): $13,128/yr

Estimated taxes if purchased at asking price: ~$15,900/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 — 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: Tile — year not disclosed (home built 2023)

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

Solar potential: ~1,726 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