This home is in Arbor Mill, St. Augustine.

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Active

Active·45 days on market·Arbor Mill

284 Atlanta Drive

St. Augustine, FL 32092

$585,000$245/sqftEst. $2,983/moMLS# 2149104

Beds

Baths

2,387

Sq Ft

2016

Built

Garage

Pool

About this home

Arbor Mill

Move-in ready and packed with upgrades and no CDD! This beautifully designed 3-bedroom, 3-bath home with a private study is located in desirable North St. Johns County near World Golf Village. The open-concept floor plan features spacious bedrooms, each with a walk-in closet. A secondary bedroom offers a private ensuite bath, making it perfect for guests, multi-generational living, or a roommate. Luxury plank flooring runs throughout the home. The ADA-accessible design includes a large ensuite bath with a roll-in shower. Relax on the screened lanai overlooking a tranquil lake and nature preserve with no rear neighbors. Additional upgrades include a water softener, extended driveway, fenced backyard, and numerous custom features. Community amenities include a clubhouse, fitness center, pool, pickleball, tennis courts, playground, park, and RV/boat storage. Schedule your showing today! BRAND NEW AC and Rhinoshield Paint!

Cost to own

Mortgage calculator

Home Price

$585,000

Down Payment: 20%

$117,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,983

Principal & Interest: $2,983

Property taxes (est.): $778

Insurance (est.): $390

Estimated Total Monthly

$4,151

*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$2,983

Property taxesest. at asking price, St. Johns County$778

HOAbilled annually$66

Estimated total, before insurance$3,827/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,082/yr · $340/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	$435,259	$266,329	—
2024	$461,196	$258,116	—
2023	$464,743	$249,142	—
2022	$395,568	$240,429	—
2021	$310,155	$231,970	—
2020	$283,580	$228,077	—

2025 property taxes (current owner): $4,082/yr

Estimated taxes if purchased at asking price: ~$9,300/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2016)

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

Solar potential: ~1,774 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

Price & status history

Jun 11, 2026Listed$585,000

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

Features

Price$585,000

Price / Sq Ft$245

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,387

Acres0.34 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Ranch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address284 Atlanta Drive, St. Augustine, FL 32092

Area303-Palmo/Six Mile Area

SubdivisionArbor Mill

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size14,810.4 sq ft

Parcel Number0271410260

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Jogging Path, Park, Pickleball, Playground, RV/Boat Storage, Tennis Court(s), Trash

UtilitiesNatural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Gas Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingElectric

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)