Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Grand Oaks, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·55 days on market·Grand Oaks

156 Pine Forest Court

St. Augustine, FL 32092

$679,900$191/sqftEst. $3,467/moMLS# 2148877

Beds

Baths

3,551

Sq Ft

2022

Built

Garage

Pool

About this home

Grand Oaks

Welcome to this exceptional 4-bedroom, 4-bathroom large family home in The Bluffs of Grand Oaks in St. Augustine. Featuring a private office, bonus room, and versatile large flex/playroom that can easily be converted into a 5th bedroom, this home offers luxury and flexibility for today's lifestyle and large family. The gourmet kitchen showcases premium appliances, designer finishes, and a custom walk-in pantry, flowing seamlessly into the spacious family room with a cozy fireplace. The thoughtful floor plan includes the owner's suite and an additional in-law suite downstairs, while two bedrooms, the bonus room, and flex space are located upstairs. The luxurious owner's retreat features a large spa-inspired bath and custom closet. Step outside to your private preserve lot and fully fenced backyard. Additional highlights include a custom office with shiplap and French doors, plus an upgraded laundry room. Conveniently located near top-rated schools, dining and shopping.

Cost to own

Mortgage calculator

Home Price

$679,900

Down Payment: 20%

$135,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,467

Principal & Interest: $3,467

Property taxes (est.): $905

Insurance (est.): $453

Estimated Total Monthly

$4,825

*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$3,467

Property taxesest. at asking price, St. Johns County$905

HOAbilled quarterly$7

Estimated total, before insurance$4,378/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,261/yr · $938/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

Last sold: $695,900 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$619,552	$528,953	—
2024	$615,159	$513,338	—
2023	$546,930	$496,930	—
2022	$56,000	$55,000	—
2021	$50,000	$50,000	—

2025 property taxes (current owner): $11,261/yr

Estimated taxes if purchased at asking price: ~$10,900/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: Shingle — year not disclosed (home built 2022)

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

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

Price & status history

Jul 23, 2026Price change$679,900−$5,090
Jun 5, 2026Listed$684,990

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

Features

Price$679,900

Price / Sq Ft$191

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage3,551

Acres0.19 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address156 Pine Forest Court, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionGrand Oaks

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,276.4 sq ft

Parcel Number0274300120

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Park

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Gas Cooktop, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric, Multi Units

FlooringCarpet

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySmoke Detector(s)