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 St. Augustine — a home near St. Augustine High School.

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Pending

Pending·57 days on market

56 Disston Cove

St. Augustine, FL 32084

$399,000$191/sqftEst. $2,053/moMLS# 2151148

Beds

Baths

2,088

Sq Ft

2024

Built

Garage

Pool

About this home

St. Augustine

Don't wait to build! This like-new Lennar Boone II floor plan has 4 bedrooms, 3 baths and 2,088 square feet of living space. This home was completed in November '24 and has been meticulously maintained and is spotless! Enjoy the privacy of your preserve lot on a quiet cul-de-sac from your screened in lanai. Features include a custom built fireplace and custom mudroom/drop zone, open floor plan, guest bedroom with full bathroom on 1st floor, paver driveway and walkway, sprinkler system and lots of storage space. Neighborhood amenities include community pool, pavilion, playground and walking trails. Convenient to Downtown St. Augustine, the beach, shopping, and highway access.

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,053

Principal & Interest: $2,053

Property taxes (est.): $531

Insurance (est.): $266

Estimated Total Monthly

$2,850

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,053

Property taxesest. at asking price, St. Johns County$531

HOAbilled quarterly$63

Estimated total, before insurance$2,647/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,149/yr · $512/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	$330,332	$218,777	—
2024	$50,000	$50,000	—

2025 property taxes (current owner): $6,149/yr

Estimated taxes if purchased at asking price: ~$6,400/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2024)

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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.

Features

Price$399,000

Price / Sq Ft$191

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,088

Acres0.12 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryWebster

MiddleMurray

HighSt. Augustine

Community Information

Address56 Disston Cove, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionSt Augustine Lakes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size5,227.2 sq ft

Parcel Number0954162680

ZoningResidential

Amenities

AmenitiesPool, Maintenance Grounds, Park, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Covered, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBuilt-in Features, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryUpper Level