This home is in Beacon Lake, St. Augustine — a home near Beachside High School.
Active·47 days on market·Beacon Lake
45 Lomond Court
St. Augustine, FL 32095
About this home
Beacon Lake
Welcome to 45 Lomond Court, where thoughtful design, seamless indoor-outdoor living, and the vibrant lifestyle of Beacon Lake come together to create a home that's as welcoming as it is beautiful. Some homes are designed with more rooms. This home was designed with more connection. From the moment you step inside, your eye is drawn through the heart of the home--where the kitchen flows naturally into the great room, the great room opens to the lanai, the lanai extends to the pool and waterfront, and beyond that, the beauty and sense of community that define Beacon Lake become part of your everyday. Every space was intentionally designed to flow into the next, creating a home that feels both expansive yet inviting. On beautiful Florida days, opening the front door and oversized sliding glass doors transforms the home into one seamless living space. Fresh breezes move throughout, natural light fills every room, and the boundaries between indoors and outdoors quietly
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
Last sold: $735,500 in October 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $857,355 | $613,353 | — |
| 2024 | $745,557 | $545,360 | — |
| 2023 | $578,019 | $528,019 | — |
| 2022 | $100,800 | $82,500 | — |
| 2021 | $75,000 | $75,000 | — |
2025 property taxes (current owner): $12,409/yr
Estimated taxes if purchased at asking price: ~$16,800/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 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: Shingle — year not disclosed (home built 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,797 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 5, 2026Price change$1,049,999−$78,901
- Jul 27, 2026Price change$1,128,900−$46,100
- Jun 25, 2026Listed$1,175,000
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 Beacon Lake
Beacon Lake is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.
View all Beacon Lake homes for sale →Listing Courtesy of: MOMENTUM REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
Similar homes in St. Augustine
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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines