This home is in South Hampton, St. Augustine.
Active·45 days on market·South Hampton
3120 E Banister Road
St. Augustine, FL 32092
About this home
South Hampton
Tucked against a tranquil preserve in the established South Hampton community, this move-in-ready residence offers the privacy, character, and breathing room today's buyers crave. Freshly painted inside and out, the home welcomes you with updated flooring, brand-new appliances, newer roof (2020) and HVAC(2024) This thoughtfully designed, bright, effortless floor plan is ideal for both everyday living and entertaining. The outdoor space is a peaceful, private, retreat for morning coffee, relaxed evenings, or friendly gatherings surrounded by natural views. Beyond the home, South Hampton delivers a true neighborhood lifestyle with mature landscaping, community amenities, and access to a public golf course. Conveniently positioned near top-rated schools, shopping, dining, and major roadways, this property offers the updates buyers want with the privacy and established surroundings new construction simply cannot replicate. *See documents for full updates*
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 | $443,512 | $195,739 | — |
| 2024 | $450,717 | $189,515 | — |
| 2023 | $443,529 | $182,539 | — |
| 2022 | $410,014 | $175,766 | — |
| 2021 | $314,185 | $169,190 | — |
| 2020 | $280,808 | $166,164 | — |
2025 property taxes (current owner): $3,132/yr
Estimated taxes if purchased at asking price: ~$8,000/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 A — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 — 2020 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water
County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,775 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
- Jul 14, 2026Price change$499,000−$21,000
- Jun 29, 2026Listed$520,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About South Hampton
South Hampton is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all South Hampton homes for sale →Listing Courtesy of: REAL BROKER LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in South Hampton
Active$539,900MLS# 2156477Est. $2,874/mo1074 Garrison Drive, St. Johns, FL 320925 Beds3 Baths3,600 sqftDon't miss this spacious 2-story home with 5 bedrooms, 3 bathrooms, and a 2-car garage. Fresh interior paint gives the…
ResidentialMAINSTAY BROKERAGE LLC
Active$545,000MLS# 2137336Est. $2,901/mo1015 Garrison Drive, St. Augustine, FL 320924 Beds3 Baths2,355 sqft⛳ Golf Course Luxury with NO CDD Fees! MOVE-IN READY: Roof just 6 years old; HVAC just 2 years old. Live the…
ResidentialALL REAL ESTATE OPTIONS INC
Active$449,000MLS# 2158297Est. $2,390/mo1424 Tintern Lane, St. Augustine, FL 320924 Beds2 Baths1,963 sqftFull stucco w/stone accents. Split bedroom plan, master suite with garden tub, separate shower, double vanities, glass…
ResidentialRE/MAX SPECIALISTS PV
Active$449,000MLS# 2138247Est. $2,390/mo1424 Tintern Lane, St. Augustine, FL 320924 Beds2 Baths1,963 sqftFull stucco w/stone accents. Split bedroom plan, master suite with garden tub, separate shower, double vanities, glass…
ResidentialRE/MAX SPECIALISTS PV
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