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This home is in St Augustine South, St. Augustine — a home near Pedro Menendez High School.

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Active

Active·62 days on market·St Augustine South

409 Lobelia Road

St. Augustine, FL 32086

$459,000$261/sqftEst. $2,367/moMLS# 2149556

Beds

Baths

1,757

Sq Ft

1978

Built

—

Garage

Pool

About this home

St Augustine South

Perfectly positioned on a generous TRIPLE LOT along a quiet, sought-after street, this beautifully maintained 4-bedroom, 2-bath home is nestled in the beloved St. Augustine South community, where residents enjoy two community boat ramps with access to the Intracoastal Waterway, scenic walking trails, and NO HOA or CDD fees. Located in Preferred Flood Zone X (no flood insurance typically required by lenders), the fully fenced yard provides space for your boat, RV, trailer, and beach toys, plus an oversized shed with electricity--ideal for a workshop, hobbies, or additional storage. A newer 2021 roof and full-home replumb add lasting value and peace of mind. An inviting front porch sets the tone, creating the perfect place to savor your morning coffee. Inside, the open-concept design showcases heart pine butcher block countertops, a tile backsplash, breakfast bar seating, a new refrigerator, an upgraded sink, and a seamless flow for effortless living.

Cost to own

Mortgage calculator

Home Price

$459,000

Down Payment: 20%

$91,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,367

Principal & Interest: $2,367

Property taxes (est.): $611

Insurance (est.): $306

Estimated Total Monthly

$3,284

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,367

Property taxesest. at asking price, St. Johns County$611

Estimated total, before insurance$2,978/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,585/yr · $465/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: $405,000 in December 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$386,251	$386,251	—
2024	$378,735	$378,735	—
2023	$384,325	$384,325	—
2022	$353,919	$57,163	—
2021	$210,927	$52,585	—
2020	$175,574	$50,478	—

2025 property taxes (current owner): $5,585/yr

Estimated taxes if purchased at asking price: ~$7,300/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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Septic system (public record) · Public water · St Johns County Utilities - water accounts

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,306 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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 9, 2026Listed$459,000

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

Features

Price$459,000

Price / Sq Ft$261

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,757

Total Structure Area2,168 sq ft

Acres0.28 acres

Year Built1978

TypeResidential

Sub-TypeSingle Family Residence

StylePatio Home, Ranch

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

School Information

ElementaryOsceola

MiddleMurray

HighPedro Menendez

Community Information

Address409 Lobelia Road, St. Augustine, FL 32086

Area335-St Augustine South

SubdivisionSt Augustine South

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Lot Size12,196.8 sq ft

Parcel Number2416500000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected, Water Available, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingAdditional Parking, RV Access/Parking, Other

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, In-Law Floorplan, Open Floorplan, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms

AppliancesDishwasher, Electric Oven, Ice Maker, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate, Tile

# of Stories1

LevelsOne