This home is in St. Augustine — a home near Pedro Menendez High School.
Active Under Contract·61 days on market
109 Osprey Marsh Lane
St. Augustine, FL 32086
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
St. Augustine
WELCOME HOME! Located in the highly desirable private community of Osprey Landing, this beautifully maintained 3BR/2BA home offers peaceful canal and wooded views with no rear neighbors. Enjoy Florida living from the enclosed screened porch with vinyl windows plus an additional patio area with built-in fire pit. Features include impact protection, roof and water heater only 2 years old, spacious open floor plan, oversized granite kitchen island with breakfast area, additional dining room window providing abundant natural light, kitchen overlooking living and dining areas, whole-house water filtration system, irrigation system with well, garage screen enclosure and low HOA fees. Conveniently located near shopping, dining, beaches, and historic downtown St Augustine. Privacy, comfort and Florida living at its finest!
Next steps in St. Augustine
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Shingle — year not disclosed (home built 2011)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts
County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:24 AM, sunset 6:59 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $281,072 | $63,500 | — |
| 2024 | $298,317 | $59,594 | — |
| 2023 | $300,742 | $54,946 | — |
| 2022 | $246,016 | $50,433 | — |
| 2021 | $217,561 | $46,051 | — |
| 2020 | $196,068 | $44,035 | — |
2025 property taxes (current owner): $1,683/yr
Estimated taxes if purchased at asking price: ~$5,600/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.
History
Price & status history
- Aug 11, 2026Active Under Contract$349,000
- Aug 11, 2026Pending$349,000
- Jul 21, 2026Price change$349,000−$25,900
- Jun 4, 2026Listed$374,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $273/sq ft; this home is listed at $223/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4945 Moultrie Reserve Court, St. Augustine, FL 32086Listed by COMPASS FLORIDA LLC | Jul 2026 | $610,000 | $321 | 3/3 | 1,900 | 7 | 0.2 |
| 44 Moonbeam Road, St. Augustine, FL 32086Listed by NON MLS (realMLS) | Aug 2026 | $365,860 | $273 | 3/2 | 1,342 | 0 | 0.4 |
| 101 Laurel Wood Way Way 104, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jun 2026 | $265,000 | $208 | 2/2 | 1,272 | 0 | 0.6 |
| 263 Santorini Court, St. Augustine, FL 32086Listed by KELLER WILLIAMS ST JOHNS | Dec 2025 | $309,000 | $206 | 3/2 | 1,503 | 21 | 0.6 |
| 756 Crestwood Drive, St. Augustine, FL 32086Listed by ENDLESS SUMMER REALTY | Aug 2026 | $339,900 | $214 | 2/2 | 1,592 | 1 | 0.8 |
| 301 Graciela Circle, St. Augustine, FL 32086Listed by WATSON REALTY CORP | Jun 2026 | $525,000 | $292 | 3/2.5 | 1,797 | 269 | 0.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: LOKATION
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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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
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines