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 Grand Oaks, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·45 days on market·Grand Oaks

698 Natureland Circle

St. Augustine, FL 32092

$589,000$225/sqftEst. $3,031/moMLS# 2153446

Beds

Baths

2,613

Sq Ft

2023

Built

Garage

Pool

About this home

Grand Oaks

Experience refined Florida living at 698 Natureland Circle, a beautifully upgraded luxury residence located within the private gates of Lakeview at Grand Oaks in historic St. Augustine. Crafted by renowned luxury builder Toll Brothers, this exceptional home showcases timeless design, superior craftsmanship, and thoughtfully curated modern upgrades. Set within an exclusive community where every homesite enjoys tranquil lake or preserve surroundings, this 4-bedroom, 3-bath residence offers 2,613 square feet of elegant living space. There is a secondary ensuite for inlaws or premier guest privacy. From the moment you enter, the home impresses with seamless wood flooring throughout, elevated finishes, and abundant natural light enhanced by additional recessed lighting.

Cost to own

Mortgage calculator

Home Price

$589,000

Down Payment: 20%

$117,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,031

Principal & Interest: $3,031

Property taxes (est.): $784

Insurance (est.): $393

Estimated Total Monthly

$4,208

*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$3,031

Property taxesest. at asking price, St. Johns County$784

HOAbilled quarterly$101

Estimated total, before insurance$3,916/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,324/yr · $860/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: $664,600 in February 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$510,096	$459,374	—
2024	$524,207	$474,207	▲ $4,509
2023	$56,000	$56,000	—
2022	$56,000	$55,000	—
2021	$50,000	$50,000	—

2025 property taxes (current owner): $10,324/yr

Estimated taxes if purchased at asking price: ~$9,400/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: material not specified — year not disclosed (home built 2023)

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

Solar potential: ~1,791 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