This home is in Samara Lakes, St. Augustine — a home near Tocoi Creek High School.
Active·48 days on market·Samara Lakes
430 Samara Lakes Parkway
St. Augustine, FL 32092
About this home
Samara Lakes
This beautifully maintained 3-bedroom, 2-bath home is located in the sought-after Samara Lakes community on a dead-end street. This move-in-ready home features a desirable split floor plan, natural light throughout, NO carpet, granite countertops, stainless steel appliances, an eat-in breakfast nook, a formal dining room/flex space, and a spacious owner's suite with a walk-in closet. Enjoy the sliding glass doors leading you to the covered patio overlooking the fully fenced backyard, perfect for relaxing or entertaining. Additional highlights include a 2-car garage, NO CDD fees, and a low HOA. Residents enjoy access to fantastic community amenities, including a pool, fitness center, clubhouse, playgrounds, soccer field, and basketball courts. It is conveniently located near top-rated St. Johns County schools, shopping, dining, I-95, World Golf Village, and historic downtown St. Augustine. This home is a perfect fit for first-time buyers, growing families, or those looking to downsize!
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $308,432 | $257,710 | — |
| 2024 | $310,676 | $260,676 | — |
| 2023 | $317,639 | $261,839 | — |
| 2022 | $302,756 | $252,756 | — |
| 2021 | $211,862 | $211,862 | — |
| 2020 | $194,006 | $194,006 | — |
2025 property taxes (current owner): $3,966/yr
Estimated taxes if purchased at asking price: ~$5,800/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.
Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts
County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,767 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.
History
Price & status history
- Jun 12, 2026Listed$365,000
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
The neighborhood
About Samara Lakes
Samara Lakes is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Samara Lakes homes for sale →Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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