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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Heritage Park, St. Augustine — a home near St. Augustine High School.

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Sold

Sold·Closed Jul 22, 2026·8 days on market·Recent sales in Heritage Park·Heritage Park

509 Cedar Arbor Court

St. Augustine, FL 32084

$390,000sold priceListed at $399,900 · 97.5% of asking$189/sqftMLS# 2153039
4
Beds
2
Baths
2,064
Sq Ft
2009
Built
2
Garage
No
Pool

8 more homes for sale in Heritage Park →Search Heritage Park on the map

FEMA Zone XHOA $97/mo9,148 sqft lotSingle Family Residence1 story

About this home

Heritage Park

Don't miss this incredible preserve lot home tucked away in a quiet cul de sac, your private getaway right in St. Augustine! This Lennar Cordoba model delivers an open concept layout with a bright, spacious dining area that flows right into the kitchen, plus a flexible dining room/office to fit your lifestyle. The primary suite is a true retreat with a garden tub, separate shower, and a massive walk-in closet you'll love. The kitchen pops with granite countertops and 42'' cabinets--perfect for cooking, hosting, and showing off. Step out to the covered, screened in porch and soak in peaceful, wooded preserve views and your own Jacuzzi. Relaxation level: elite. A bonus room sits between two bedrooms and can easily transform into a fourth bedroom. Two car garage with attic storage adds even more convenience. The community is packed with amenities--swimming pool, fitness center, nature trails, playgrounds, basketball and tennis courts, plus fields for baseball, soccer, and football.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,160
Property taxesest. at asking price, St. Johns County$519
HOAbilled quarterly$97
Estimated total, before insurance$2,776/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,636/yr · $553/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$390,000
$78,000
Loan Term
Monthly Payment
$2,160
Principal & Interest: $2,160
Property taxes (est.): $519
Insurance (est.): $260
Estimated Total Monthly
$2,939
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 2009)

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

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,809 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$350,416$350,416—
2024$369,627$199,659—
2023$360,450$192,387—
2022$359,035$185,327—
2021$238,762$178,473—
2020$225,319$175,319—

2025 property taxes (current owner): $6,636/yr

Estimated taxes if purchased at asking price: ~$6,200/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.

History

Price & status history

  • Jul 27, 2026Closed$399,900
  • Jul 14, 2026Pending$399,900
  • Jun 30, 2026Listed$399,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $208/sq ft; this home is listed at $194/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
394 Hefferon Drive, St. Augustine, FL 32084Listed by REALTY ONE GROUP ELEVATESep 2026$465,000$2024/2.52,297140.1
43 Cody Street, St. Augustine, FL 32084Listed by SOVEREIGN REAL ESTATE GROUPSep 2026$354,000$2084/21,7052820.6
830 E Red House Branch Road, St. Augustine, FL 32084Listed by ENDLESS SUMMER REALTYJun 2026$340,000$1463/22,3291870.6
757 Blackmoor Gate Lane, St. Augustine, FL 32084Listed by ONE SOTHEBY'S INTERNATIONAL REALTYJun 2026$530,000$3083/21,72340.6
206 Mission Cove Circle, St. Augustine, FL 32084Listed by WATSON REALTY CORPOct 2026$379,900$2054/21,857500.9
1321 Roosevelt Drive, St. Augustine, FL 32084Listed by REMAX WELCOME HOMESep 2026$664,900$3573/21,865140.9

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$399,900
Price / Sq Ft$194
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,064
Total Structure Area3,185 sq ft
Acres0.21 acres
Year Built2009
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address509 Cedar Arbor Court, St. Augustine, FL 32084
Area336-Ravenswood/West Augustine
SubdivisionHeritage Park
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size9,147.6 sq ft
Parcel Number1032030490
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Jogging Path, Tennis Court(s), Trash
Community FeaturesStreet Lights
UtilitiesCable Available, Electricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener, Off Street
ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
# of Stories1
LevelsOne
LaundryIn Unit, Lower Level, Sink
SecuritySmoke Detector(s)
Spa FeaturesHeated, Above Ground

Exterior

Lot DescriptionWooded
Patio / PorchCovered, Rear Porch, Screened
FencingBack Yard
RoofShingle
ConstructionStucco
Other StructuresGazebo
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 30, 2026
Days on Market8
HOA Fees$290 / Quarterly
HOA FrequencyQuarterly
HOA NameHeritage Park Association
Tax Amount$6,636.14
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Heritage Park

Heritage Park is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all Heritage Park homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 22, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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