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 Beacon Lake, St. Augustine — a waterfront home in St. Johns County.

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Active

Active·11 days on market·Beacon Lake

53 Lumen Court

St. Augustine, FL 32095

$785,000$237/sqftEst. $4,048/moMLS# 2151934

Beds

Baths

3,315

Sq Ft

2018

Built

Garage

Pool

About this home

Beacon Lake

Welcome to the immaculate Beacon Lake community.. This 4 bed, 4 bath lakefront home has been perfectly maintained with great CURB APPEAL.. As you approach the home, the outside truly sets the tone for what's within.. On the first floor, you have a very OPEN floor-plan with all 4 bedrooms on the first floor.. Each bedroom has ample space with LARGE closets as well.. The kitchen is a chefs dream, with tons of updates - extra countertop space, a lovely kitchen island, upgraded backsplash, countertops, fixtures and the list goes on.. HUGE upstairs suite that leaves the new owners with tons of options! You can truly feel all the space this home provides on the inside and outside.. EXTRA LARGE lot with lakefront views and it is really quiet and peaceful out there.. 3 car garage with epoxy flooring..

Cost to own

Mortgage calculator

Home Price

$785,000

Down Payment: 20%

$157,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$4,048

Principal & Interest: $4,048

Property taxes (est.): $1,045

Insurance (est.): $523

Estimated Total Monthly

$5,616

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$4,048

Property taxesest. at asking price, St. Johns County$1,045

HOAbilled annually$5

Estimated total, before insurance$5,098/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$681,337	$374,332	—
2024	$676,367	$363,075	—
2023	$611,594	$351,044	—
2022	$548,508	$339,363	—
2021	$444,052	$328,022	—
2020	$420,513	$322,803	—

Estimated taxes if purchased at asking price: ~$12,500/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.

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 2018)

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

Solar potential: ~1,720 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 home

As 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