This home is in St. Augustine — a pool home in St. Johns County.
Active·49 days on market
305 Elza Lane
St. Augustine, FL 32086
About this home
St. Augustine
CHARMING 4BR/3BA ON QUIET CULDESAC WITH HEATED POOL & ONLY 5 MILES TO CRESCENT BEACH! Located in Moses Creek, this durable home is built with concrete masonry, stone & stucco. High ceilings & 2 high transom windows flood the home with natural light. Formal dining room, huge eat in kitchen with lots of cabinets & counters, bay window breakfast nook overlooks screened pool & lanai with recently installed pavers & integrated Bluetooth speakers. Split bedroom floor plan featuring a private owner's suite overlooking lush back yard, while 2 bedrooms, 1 bathroom & utility room are situated on the opposite side of the home. Upstairs, a spacious Bedroom/Bathroom bonus room is an ideal space for guests, home office or 4th bedroom. Smart front door security camera. Irrigation system with well; water softener; 10x10 shed with built in shelves; 2 car garage with Sharks coating floor. Newly paved driveway & sidewalk leading to expansive covered front porch with a charming built in swing
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 | $444,159 | $259,054 | — |
| 2024 | $416,302 | $250,905 | — |
| 2023 | $444,091 | $241,995 | — |
| 2022 | $430,769 | $237,845 | — |
| 2021 | $297,953 | $229,447 | — |
| 2020 | $277,871 | $225,582 | — |
2025 property taxes (current owner): $3,984/yr
Estimated taxes if purchased at asking price: ~$9,300/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: material not specified — year not disclosed (home built 2000)
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: ~1,772 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
- Aug 6, 2026Price change$580,000−$18,000
- Jun 19, 2026Listed$598,000
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: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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