This home is in St Augustine South, St. Augustine — a home near Pedro Menendez High School.
Active·107 days on market·St Augustine South
409 Lobelia Road
St. Augustine, FL 32086
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, offering two community boat ramps to the Intracoastal Waterway, scenic walking trails, and NO HOA or CDD fees. Located in preferred Flood Zone X, the fully fenced yard provides space for your boat, RV, or trailer, plus an oversized shed with electricity- ideal for your workshop, hobbies, or additional storage. Major updates, including a 2021 roof and full-home replumb, provide lasting value and added peace of mind. Inside, this home is anything but cookie-cutter! The inviting open-concept design showcases heart pine butcher block countertops, a tile backsplash, breakfast bar seating, a newer refrigerator, an upgraded sink, and a seamless flow for effortless living.
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.
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 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.
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: ~$7,200/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 20, 2026Price change$449,000−$10,000
- Jun 9, 2026Listed$459,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: INI REALTY · 904realtorfarah@gmail.com
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 St Augustine South
St Augustine South is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.
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Krista Fracke
Broker Associate
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