This home is in Marsh Creek, St. Augustine — a home near St. Augustine High School.
Active·45 days on market·Marsh Creek
523 Lakeway Drive
St. Augustine, FL 32080
About this home
Marsh Creek
Experience island living at its finest with this rare opportunity in the highly desirable Marsh Creek community. This impeccably maintained home, with 2019 Roof and 2020 HVAC originally enjoyed as a private vacation retreat, blends timeless charm with modern comfort. The light-filled open floor plan features formal dining, a cozy breakfast nook, and a thoughtfully designed split two-bedroom layout offering both privacy and flexibility. A spacious family room is complemented by a large office, den, or bonus room--perfect for remote work or guests. Step outside to a generous screened lanai overlooking a serene lake and lush, manicured landscaping, creating an ideal setting for relaxing or entertaining. Residents enjoy access to Marsh Creek Country Club's premier golf, dining, racquet sports, and fitness amenities, all just minutes from the beach. This is more than a home--it's a lifestyle you deserve.
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 | $473,657 | $473,657 | — |
| 2024 | $453,756 | $453,756 | — |
| 2023 | $448,335 | $420,552 | — |
| 2022 | $475,071 | $382,320 | — |
| 2021 | $347,564 | $347,564 | — |
| 2020 | $321,797 | $321,797 | — |
2025 property taxes (current owner): $6,740/yr
Estimated taxes if purchased at asking price: ~$10,000/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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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: Shingle — 2019 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,759 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 22, 2026Listed$625,000
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
The neighborhood
About Marsh Creek
Marsh Creek is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32080.
View all Marsh Creek homes for sale →Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines