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 St. Augustine — a waterfront home in St. Johns County.

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Active

Active·17 days on market

193 Little Owl Lane

St. Augustine, FL 32086

$408,400$277/sqftEst. $2,097/moMLS# 2154261

Beds

Baths

1,476

Sq Ft

2016

Built

Garage

Pool

About this home

St. Augustine

Welcome to this beautifully updated 3-bedroom, 2-bath home located in the highly sought after Deerfield Preserve community, just minutes from historic downtown St. Augustine. Thoughtfully maintained and move-in ready, this home offers stylish upgrades throughout, including updated kitchen and bathrooms featuring shiplap accents, fresh interior paint, and durable tile and luxury vinyl plank flooring throughout, no carpet! Enjoy peaceful water views from the beautifully landscaped, fully fenced backyard, complete with and extended paver patio creating the perfect setting for relaxing or entertaining. Professionally designed landscape lighting enhances the home's curb appeal and creates a stunning ambiance after sunset. Residents os Deerfield preserve enjoy a variety of community amenities, including a swimming pool, fitness center, playground, basketball courts and sidewalks throughout the neighborhood.

Cost to own

Mortgage calculator

Home Price

$408,400

Down Payment: 20%

$81,680

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,097

Principal & Interest: $2,097

Property taxes (est.): $543

Insurance (est.): $272

Estimated Total Monthly

$2,913

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,097

Property taxesest. at asking price, St. Johns County$543

HOAbilled quarterly$81

Estimated total, before insurance$2,722/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,039/yr · $337/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: $380,000 in October 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$319,788	$268,877	—
2023	$309,589	$259,589	—
2022	$280,091	$151,910	—
2021	$207,494	$146,029	—
2020	$196,478	$143,322	—

2025 property taxes (current owner): $4,039/yr

Estimated taxes if purchased at asking price: ~$6,500/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 (2024), 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 — year not disclosed (home built 2016)

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

Solar potential: ~1,769 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

Price & status history

Aug 4, 2026Active$408,400
Aug 2, 2026Pending$408,400
Jul 26, 2026Price change$408,400−$6,500
Jul 7, 2026Listed$414,900

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

Features

Price$408,400

Price / Sq Ft$277

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,476

Total Structure Area2,012 sq ft

Acres0.18 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

School Information

ElementarySouth Woods

MiddleGamble Rogers

HighPedro Menendez

Community Information

Address193 Little Owl Lane, St. Augustine, FL 32086

Area337-Old Moultrie Rd/Wildwood

SubdivisionDeerfield Preserve

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Lot Size7,840.8 sq ft

Parcel Number1027811680

Amenities

AmenitiesClubhouse, Maintenance Grounds, Management - Off Site

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, Guest

ViewPond

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity System Owned