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 Beacon Lake, St. Augustine — a waterfront home in St. Johns County.

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Active Under Contract

Active Under Contract·46 days on market·Beacon Lake

65 Stargaze Lane

St. Augustine, FL 32095

$535,000$230/sqftEst. $2,753/moMLS# 2153644

Beds

Baths

2,328

Sq Ft

2024

Built

Garage

Pool

About this home

Beacon Lake

Pond views, a fenced backyard, a screened lanai, and the Beacon Lake lifestyle everyone keeps trying to get into. This 3-bedroom, 2.5-bath home brings the kind of upgrades that actually make a difference. The main living space feels warm, polished, and inviting with LVP flooring, custom built-ins, and an electric fireplace that gives the room a cozy, finished look. The kitchen stands out with cabinets extended to the ceiling, creating that clean custom feel buyers love, while the drop zone by the garage keeps everyday life organized before it ever makes it inside. Out back, this home gives you the Florida setup people want. A screened lanai overlooking the pond, a fenced yard, and a back porch with shark coating for a clean, low-maintenance finish. Morning coffee, evening wine, outdoor games, dogs running, or just enjoying the view without neighbors directly behind you. This backyard is not just space. It is usable, peaceful, and easy to enjoy.

Cost to own

Mortgage calculator

Home Price

$535,000

Down Payment: 20%

$107,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,753

Principal & Interest: $2,753

Property taxes (est.): $712

Insurance (est.): $357

Estimated Total Monthly

$3,822

*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$2,753

Property taxesest. at asking price, St. Johns County$712

HOAbilled annually$5

Estimated total, before insurance$3,470/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,974/yr · $748/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: $509,600 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$468,102	$417,380	—
2024	$85,000	$85,000	—
2023	$85,000	$85,000	—

2025 property taxes (current owner): $8,974/yr

Estimated taxes if purchased at asking price: ~$8,500/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: material not specified — year not disclosed (home built 2024)

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

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

Price & status history

Jul 28, 2026Active Under Contract$535,000
Jul 7, 2026Price change$535,000−$34,000
Jul 2, 2026Listed$569,000

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

Features

Price$535,000

Price / Sq Ft$230

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,328

Total Structure Area2,998 sq ft

Acres0.13 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address65 Stargaze Lane, St. Augustine, FL 32095

Area304- 210 South

SubdivisionBeacon Lake

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size5,662.8 sq ft

Parcel Number0237251280

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Management - Part Time, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond

Waterfront TypePond