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This home is in St Augustine South, St. Augustine — a pool home in St. Johns County.

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Active

Active·61 days on market·St Augustine South

178 Segovia Road

St. Augustine, FL 32086

$429,900$285/sqftEst. $2,217/moMLS# 2149644

Beds

Baths

1,511

Sq Ft

1988

Built

Garage

Yes

Pool

About this home

St Augustine South

Welcome to 178 Segovia Road, a 3-bedroom, 2-bath pool home with a flex room located in the sought-after St. Augustine South community. Major updates include a new roof (2026), new HVAC system (2026), septic replacement (2023), home re-piped (2021), fresh interior and exterior paint, garage door opener (2025), updated kitchen cabinetry (2025), pool pump (2025), and porcelain flooring throughout. Step inside to a bright and inviting layout featuring natural light and character throughout. The main living area showcases skylights with remote-controlled blinds, updated ceiling fans, warm wood accents, and a beautiful stone fireplace. Designed for Florida indoor/outdoor living, the fully fenced backyard offers plenty of space to relax and entertain with a pool featuring a peaceful waterfall, pool lighting for evening swims, outdoor lighting around the pool area and walkways, and a covered outdoor seating area (installed 2025). The additional fenced side yards offer flexible use, while the

Cost to own

Mortgage calculator

Home Price

$429,900

Down Payment: 20%

$85,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,217

Principal & Interest: $2,217

Property taxes (est.): $572

Insurance (est.): $287

Estimated Total Monthly

$3,076

*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$2,217

Property taxesest. at asking price, St. Johns County$572

Estimated total, before insurance$2,789/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,469/yr · $206/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	$336,104	$144,586	—
2024	$313,695	$139,804	—
2023	$326,672	$134,276	—
2022	$303,833	$128,909	—
2021	$215,044	$123,698	—
2020	$193,508	$121,300	—

2025 property taxes (current owner): $2,469/yr

Estimated taxes if purchased at asking price: ~$6,900/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: material not specified — 2026 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: ~1,790 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