This home is in St. Augustine.

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Pending

Pending·16 days on market

494 Scrub Jay Drive

St. Augustine, FL 32092

$219,997$180/sqftEst. $1,122/moMLS# 2153634

Beds

Baths

1,222

Sq Ft

2005

Built

Garage

Pool

About this home

St. Augustine

1% Lender Credit - ask for details! Look at all these UPGRADES: Roof replaced 2021 Fridge, Dishwasher, Range, and Microwave Range Hood replaced in 2023. Full Size Stackable front-loading washer and dryer new in 2023. Reverse Osmosis water filter with filters included -installed in 2023. HVAC system was replaced in 2023. Water Heater was replaced in 2019 Ceiling fan and light fixtures in the living room, dining room, entry way, kitchen were replaced in 2023. Both bedroom ceiling fans replaced in 2023 The GFCI outlets were upgraded in 2023. The Carpet and wood flooring new in 2023. Curtains and window blinds are included. Garage door was serviced in 2025 Toilets, faucets and sinks in the bathrooms replaced in 2023. Tile in primary bath new in 2023 Storage shelves and workbench in garage were installed 2023 and will convey New lighting installed in garage in 2023 Both bedroom closets, laundry area and kitchen pantries have shelving organization. St. Johns County - A Rated Schools

Cost to own

Mortgage calculator

Home Price

$219,997

Down Payment: 20%

$43,999

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,122

Principal & Interest: $1,122

Property taxes (est.): $293

Insurance (est.): $147

Estimated Total Monthly

$1,561

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,122

Property taxesest. at asking price, St. Johns County$293

HOAbilled monthly$212

Estimated total, before insurance$1,626/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,689/yr · $224/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: $259,900 in October 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$213,622	$162,900	—
2024	$218,318	$168,318	—
2023	$182,236	$136,719	—
2022	$167,695	$124,290	—
2021	$131,008	$112,991	—
2020	$122,428	$102,719	—

2025 property taxes (current owner): $2,689/yr

Estimated taxes if purchased at asking price: ~$3,500/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: Shingle — 2021 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: ~1,755 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