Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

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Active

Active·48 days on market·Andalusia

210 Sierras Loop

St. Augustine, FL 32086

$625,000$215/sqftEst. $3,223/moMLS# 2149853

Beds

Baths

2,906

Sq Ft

2017

Built

Garage

Pool

About this home

Andalusia

Save Thousands at Closing! Eligible buyers can receive up to a 1% credit toward closing costs or an interest rate buydown when financing with the preferred lender.Picture Sunday mornings on the screened lanai, coffee in hand, watching the water wake up before the neighborhood does. This is 210 Sierras Loop -- a completely renovated 5-bedroom retreat in Andalusia where every room was designed for how you actually live, not just how a listing photo looks. Cook alongside family at the oversized island while the coffee bar handles the morning rush. Host without thinking twice -- the open floor plan, fresh wood floors, and custom finishes do the heavy lifting. Then step outside to your private, fenced backyard on the water, where the new pavered patio is already waiting for whatever comes next -- a firepit, a garden, or the pool you've been dreaming about. Walk to the community pool and clubhouse when you want the resort-style day.

Cost to own

Mortgage calculator

Home Price

$625,000

Down Payment: 20%

$125,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,223

Principal & Interest: $3,223

Property taxes (est.): $832

Insurance (est.): $417

Estimated Total Monthly

$4,471

*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$3,223

Property taxesest. at asking price, St. Johns County$832

HOAbilled quarterly$92

Estimated total, before insurance$4,147/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,804/yr · $567/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: $580,000 in April 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$480,353	$480,353	—
2024	$537,568	$254,299	—
2023	$522,697	$245,436	—
2022	$487,947	$236,831	—
2021	$333,046	$228,477	—
2020	$310,395	$224,632	—

2025 property taxes (current owner): $6,804/yr

Estimated taxes if purchased at asking price: ~$10,000/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: Shingle — year not disclosed (home built 2017)

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

Solar potential: ~1,755 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

Jul 14, 2026Price change$625,000−$25,000
Jun 20, 2026Listed$650,000

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

Features

Price$625,000

Price / Sq Ft$215

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage2,906

Acres0.17 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryOtis A. Mason

MiddleGamble Rogers

HighPedro Menendez

Community Information

Address210 Sierras Loop, St. Augustine, FL 32086

Area337-Old Moultrie Rd/Wildwood

SubdivisionAndalusia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Lot Size7,405.2 sq ft

Parcel Number1366810450

Amenities

AmenitiesPool, Fitness Center, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewLake

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Electric Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringWood

FireplaceYes

Fireplace FeaturesOther, Electric

# of Stories2

LevelsTwo