This home is in St. Augustine — a waterfront home in St. Johns County.
Active·49 days on market
8228 Hall Lane
St. Augustine, FL 32092
About this home
St. Augustine
Launch your next adventure from your own backyard in this custom-built 2022 waterfront retreat, perfectly positioned on Colee Cove Canal just 100 feet from the St. Johns River. Priced below appraised value, this exceptional residence offers direct access to boating, fishing, waterfront dining, and endless days on the water. Designed with quality craftsmanship and coastal-inspired style throughout, the home showcases stunning 12-foot tongue-and-groove wood ceilings in the foyer and living room, extensive luxury vinyl plank flooring, a striking fireplace with custom built-ins, wet bar, designer lighting, illuminated glass display cabinetry, and a beautifully appointed kitchen featuring quartz countertops, a dramatic waterfall island, upgraded cabinetry, soft-close drawers, pull-out shelving, and a custom pantry. Natural light fills the open-concept living spaces while oversized windows create a seamless connection between indoor comfort and outdoor living
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 | $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: ~$13,800/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 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.
History
Price & status history
- 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
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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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