This home is in St. Augustine — a home near St. Augustine High School.
Active·45 days on market
509 Peninsula Court
St. Augustine, FL 32080
About this home
St. Augustine
Welcome to this beautifully updated 3-bedroom, 2-bath home tucked away on a quiet cul-de-sac with peaceful pond views. Designed with an open-concept floor plan, this home offers the perfect blend of comfort and functionality for both everyday living and entertaining. The remodeled kitchen is the heart of the home, featuring modern finishes, while luxury vinyl plank flooring flows seamlessly throughout the entire home for a stylish, low-maintenance appeal. Plantation shutters on every window add timeless elegance and enhance the abundance of natural light. Step outside to the screened lanai, where you can relax with your morning coffee or unwind at the end of the day while enjoying tranquil water views. With its thoughtful updates and move-in-ready condition, this home offers the perfect combination of style, comfort and serenity. Within walking distance to the St Augustine pier, restaurants, and only three miles to historic downtown St Augustine! Come live where others vacation!
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 | $392,764 | $212,291 | — |
| 2024 | $400,550 | $205,601 | — |
| 2023 | $397,130 | $198,156 | — |
| 2022 | $380,035 | $190,928 | — |
| 2021 | $264,979 | $183,911 | — |
| 2020 | $238,454 | $180,681 | — |
2025 property taxes (current owner): $3,367/yr
Estimated taxes if purchased at asking price: ~$7,600/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 — year not disclosed (home built 1998)
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: ~1,779 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$475,000−$4,000
- Jun 29, 2026Listed$479,000
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: ENDLESS SUMMER REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines