This home is in Morgans Cove, St. Augustine — a home near St. Augustine High School.
Active·136 days on market·Morgans Cove
944 Morgans Treasure Road
St. Augustine, FL 32084
7 more homes for sale in Morgans Cove →Search Morgans Cove on the map
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About this home
Morgans Cove
PRIVATE PRESERVE SETTING + FENCED BACKYARD + SELLER CREDIT! If privacy and a little extra breathing room are on your wish list, you'll want to see this one. Set on a peaceful preserve lot with a fully fenced backyard, the extended paver patio is the perfect spot for morning coffee or entertaining. Inside, you'll find LVP flooring throughout, updated lighting and fixtures, and an open concept dining room, living room and kitchen, with the kitchen featuring a farmhouse sink, plenty of storage, a large walk-in pantry, and an island with additional seating. The split floor plan gives everyone their own space, while the primary suite offers a huge walk-in closet, custom glass-enclosed shower, dual sinks, and a separate water closet. Add in a 2-car garage, expanded paver driveway, separate laundry room, and low HOA fees, and you have a home that's easy to settle into and even easier to enjoy.
Next steps in Morgans Cove
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 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,746 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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Vilano Beach oceanfront32 min drive · 37 parking spaces
Closest park or preserve
Twelve Mile Swamp Conservation Area14 min drive · 2.2 mi of trails
Closest public boat ramp
Douglas C. Crane Parkabout 5 mi · Matanzas River
Closest kayak & paddleboard launch
San Sebastian River at Highway 16 Roadside Primitive Accessabout 5 mi · San Sebastian River
Closest youth league fields
Collier-Blocker-Puryear Park10 min drive · Basketball, Football, Lacrosse
Closest grocery store
Publixabout 3 mi · 250 Plaza Blvd, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
Last sold: $366,000 in August 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $328,195 | $275,332 | — |
| 2024 | $316,865 | $266,865 | — |
| 2023 | $303,993 | $303,993 | — |
| 2022 | $67,200 | $67,200 | — |
2025 property taxes (current owner): $4,219/yr
Estimated taxes if purchased at asking price: ~$5,900/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.
History
Price & status history
- Oct 15, 2026Price change$369,900−$5,000
- Sep 25, 2026Price change$374,900−$5,000
- Jun 8, 2026Listed$379,900
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 $201/sq ft; this home is listed at $199/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 953 Morgans Treasure Road, St. Augustine, FL 32084Listed by COLDWELL BANKER VANGUARD REALTY | Oct 2026 | $340,000 | $213 | 3/2 | 1,596 | 11 | 0 |
| 571 Morgans Treasure Road, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY | Sep 2026 | $338,500 | $198 | 3/2 | 1,711 | 124 | 0.4 |
| 138 Falcon Ridge Road, St. Augustine, FL 32084Listed by PREMIER HOMES REALTY INC | Jul 2026 | $340,000 | $199 | 3/2 | 1,711 | 17 | 0.4 |
| 56 Cannon Ball Drive, St. Augustine, FL 32084Listed by CHAD AND SANDY REAL ESTATE GROUP | Jun 2026 | $431,000 | $201 | 4/2 | 2,149 | 21 | 0.6 |
| 125 S Prairie Lakes Drive, St. Augustine, FL 32084Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $395,000 | $250 | 3/2 | 1,577 | 30 | 1.4 |
| 597 Lake Sinclair Street, St. Augustine, FL 32084Listed by HOUWZER, INC. | Aug 2026 | $379,900 | $187 | 4/3 | 2,027 | 61 | 1.5 |
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: MOMENTUM REALTY
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.
The neighborhood
About Morgans Cove
Morgans Cove is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.
View all Morgans Cove homes for sale →Keep looking
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Krista Fracke
Broker Associate
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