This home is in St. Augustine.

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Pending

Pending·53 days on market

128 Gargonza Court

St. Augustine, FL 32084

$224,000$166/sqftEst. $1,142/moMLS# 2148606

Beds

Baths

1,348

Sq Ft

2007

Built

Garage

Pool

About this home

St. Augustine

0.5 miles to St. Augustine Outlets • Community pool • Attached 1-car garage • 2017 water heater. This 2-bedroom, 2.5-bath townhome in Tuscany Village offers 1,348 square feet of low-maintenance living with convenient access to I-95, US-1, shopping, dining, and Historic Downtown St. Augustine. The open floor plan connects the living, dining, and kitchen areas for comfortable everyday living. The kitchen features a center island, pantry, and ample cabinet space. Both upstairs bedrooms include private full bathrooms, while a half bath is located on the main level for guests. The attached one-car garage provides additional storage and parking, and the washer and dryer are included. Residents enjoy access to the community pool and neighborhood amenities. Convenient to Publix, St. Augustine Outlets, area beaches, parks, and restaurants. Approximately 15 minutes to Historic Downtown St. Augustine.

Cost to own

Mortgage calculator

Home Price

$224,000

Down Payment: 20%

$44,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,142

Principal & Interest: $1,142

Property taxes (est.): $298

Insurance (est.): $149

Estimated Total Monthly

$1,590

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,142

Property taxesest. at asking price, St. Johns County$298

HOAbilled monthly$233

Estimated total, before insurance$1,673/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,183/yr · $265/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	$210,677	$210,677	—
2024	$215,368	$199,404	—
2023	$219,280	$181,276	—
2022	$179,229	$164,796	—
2021	$149,815	$149,815	—
2020	$142,894	$142,894	—

2025 property taxes (current owner): $3,183/yr

Estimated taxes if purchased at asking price: ~$3,600/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2007)

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

Solar potential: ~1,760 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

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.