This home is in St Augustine South, St. Augustine — a home near Pedro Menendez High School.
Active Under Contract·7 days on market·St Augustine South
320 Lobelia Road
St. Augustine, FL 32086
About this home
St Augustine South
HOME SWEET HOME!!! Welcome to this charming 3-bedroom, 2-bath home situated on oversized lots in a desirable family-friendly neighborhood with no HOA fees! Offering plenty of space both inside and out, this property is perfect for homeowners looking for room to grow, entertain, or customize to their own style.Enjoy peace of mind with a newer metal roof, newer A/C system, and a transferable termite bond. The fully fenced backyard provides privacy and security, while the mature fruit trees create a beautiful outdoor setting. Bring your boats, trailers, and recreational vehicles--there's plenty of room and no HOA restrictions.The property also features a spacious 2-car garage and two storage sheds, including one with full electrical service, making it ideal for a workshop, hobby space, or additional storage.
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: Metal — year not disclosed (home built 1973)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · 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: ~1,673 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $322,995 | $156,508 | — |
| 2024 | $320,060 | $151,390 | — |
| 2023 | $324,418 | $145,524 | — |
| 2022 | $289,038 | $139,829 | — |
| 2021 | $204,857 | $134,300 | — |
| 2020 | $181,755 | $131,755 | — |
2025 property taxes (current owner): $2,623/yr
Estimated taxes if purchased at asking price: ~$4,600/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
- Sep 15, 2026Active Under Contract$290,000
- Sep 15, 2026Price change$290,000−$21,000
- Sep 9, 2026Price change$311,000−$14,000
- Jun 15, 2026Listed$325,000
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: OCEAN ELEVEN REALTY · jgrueser@icloud.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.
View all St Augustine South homes for sale →Keep looking
More homes in St Augustine South
For Sale302 Shore DriveSt. Augustine, FL 32086
2 bd · 1 ba · 1,026 sq ft
$319,900Est. $1,703/moCharming brick home in a fantastic St. Augustine location! This well-maintained 2-bedroom, 1-bath residence offers…
Listing Office: watson realty corp
For Sale108 Mohegan RoadSt. Augustine, FL 32086
3 bd · 2 ba · 1,392 sq ft
$350,000Est. $1,863/moCharm, space, and endless opportunity await in the highly sought-after St. Augustine South community! This 3-bedroom,…
Listing Office: keller williams realty atlantic partners st. augustine
Under Contract1348 Prince RoadSt. Augustine, FL 32086
4 bd · 2 ba · 1,500 sq ft
$369,000Est. $1,964/moWelcome to this beautifully updated & meticulously maintained 4 bedroom, 2 bathroom home offering approximately 1,500…
Listing Office: momentum realty
For Sale101 Argonaut RoadSt. Augustine, FL 32086
3 bd · 2 ba · 1,062 sq ft
$391,900Est. $2,086/moBIG lot - bring your boat! Welcome to the perfect blend of coastal living and modern convenience in St. Augustine. This…
Listing Office: keller williams realty atlantic partners southside
Keep looking
Similar homes in St. Augustine
Explore the area
More in St Augustine South
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines