This home is in St. Augustine — a waterfront home in St. Johns County.
Active Under Contract·95 days on market
8228 Hall Lane
St. Augustine, FL 32092
About this home
St. Augustine
JUST 100 FT. FROM THE ST. JOHNS RIVER! | CUSTOM-BUILT 2022 WATERFRONT HOME | NEW 2025 BOATHOUSE + 8,000-LB BOAT LIFT | NO HOA OR CDD | OVERSIZED 3-CAR GARAGE | METAL ROOF + WHOLE-HOUSE GENERATOR! Located on Colee Cove Canal, enjoy quick access to boating, fishing, waterfront dining and days spent exploring the St. Johns River. Inside, impressive 12-foot tongue-and-groove wood ceilings in the foyer and living room, extensive luxury vinyl plank flooring, abundant natural light and oversized windows create a warm, open living space. A striking fireplace with custom built-ins, wet bar, designer lighting and illuminated glass display cabinetry add to the home's custom character. The kitchen features quartz countertops, a waterfall island, upgraded cabinetry, soft-close drawers, pull-out shelving and a custom pantry. The primary suite includes a custom closet system and spa-inspired bath with a stand-alone soaking tub with chandelier and zero-entry shower. Outdoor living continues on the
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Metal — year not disclosed (home built 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,585 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 | $552,744 | $474,295 | — |
| 2024 | $534,019 | $460,221 | — |
| 2023 | $558,868 | $445,360 | ▼ $110,681 |
| 2022 | $141,799 | $98,791 | — |
| 2021 | $116,980 | $89,810 | — |
| 2020 | $81,645 | $81,645 | — |
2025 property taxes (current owner): $6,883/yr
Estimated taxes if purchased at asking price: ~$13,500/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
- Aug 31, 2026Active Under Contract$845,000
- Aug 28, 2026Price change$845,000−$19,900
- Jun 19, 2026Listed$864,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP · aerickson@watsonrealtycorp.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.
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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
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines