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 WGV King Andbear, St. Augustine — a home near Tocoi Creek High School.

1 / 42

Active Under Contract

Active Under Contract·47 days on market·WGV King Andbear

4232 S Franklinia Street

St. Augustine, FL 32092

$629,900$223/sqftEst. $3,242/moMLS# 2152830

Beds

Baths

2,823

Sq Ft

2006

Built

Garage

Pool

About this home

WGV King Andbear

Tucked into a wooded cul-de-sac in gated King & Bear at World Golf Village, 4232 S Franklinia Street offers the privacy, updates, and flexible space buyers are looking for. Set on a 0.30-acre preserve-backed lot, this 4-bedroom, 3-bath home features 2,823 square feet of living area, a 3-car garage, and a mostly main-level floor plan with an oversized upstairs bonus/4th bedroom and full bath. Inside, acacia hardwood floors, fresh neutral paint, soaring ceilings, updated baths, and statement lighting create a warm, polished feel. The main living area flows easily from the kitchen and café/breakfast space to the great room with a wood-burning fireplace, making the home comfortable for everyday living and easy entertaining. The main-level primary suite includes a refreshed bath with new cabinetry, fixtures, lighting, flooring, and Kohler medicine cabinets. Major recent improvements include updated flooring, premium tile in baths/laundry, new toilets, whole-house paint refresh, 2024 water

Cost to own

Mortgage calculator

Home Price

$629,900

Down Payment: 20%

$125,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,242

Principal & Interest: $3,242

Property taxes (est.): $838

Insurance (est.): $420

Estimated Total Monthly

$4,500

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$3,242

Property taxesest. at asking price, St. Johns County$838

HOAbilled quarterly$215

Estimated total, before insurance$4,295/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,149/yr · $596/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $660,000 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$544,722	$494,000	—
2024	$534,962	$471,113	—
2023	$545,610	$419,209	—
2022	$526,262	$381,099	—
2021	$346,454	$346,454	—
2020	$341,954	$341,954	—

2025 property taxes (current owner): $7,149/yr

Estimated taxes if purchased at asking price: ~$10,100/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2006)

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: ~1,732 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

Price & status history

Jul 26, 2026Active Under Contract$629,900
Jul 22, 2026Price change$629,900−$20,000
Jun 29, 2026Listed$649,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$629,900

Price / Sq Ft$223

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,823

Total Structure Area2,823 sq ft

Acres0.30 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryWards Creek

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address4232 S Franklinia Street, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionWgv King Andbear

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size13,068 sq ft

Lot Dimensions85x146x113x191

Parcel Number2881051370

ZoningResidential

Amenities

AmenitiesBasketball Court, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Management - Full Time, Park, Pickleball, Playground, Security, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Multi Units, Zoned

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level

SecurityFire Alarm, Security Lights, Security System Owned