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This home is in St Augustine South, St. Augustine — a home near Pedro Menendez High School.

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Active·45 days on market·St Augustine South

119 Drake Road

St. Augustine, FL 32086

$549,900$339/sqftEst. $2,824/moMLS# 2154345

Beds

Baths

1,624

Sq Ft

2001

Built

Garage

Pool

About this home

St Augustine South

Move-In ready CBS home on double lot with space for boat/RV parking! Located just two blocks from Matanzas river, this updated 3-bedroom, 2-bath home offers 1,624 square feet of living space and over 2,200 square feet under roof. Recent upgrades include CAT 5 impact windows with transferable lifetime warranty, a newer roof (2021), new A/C unit, new water heater, fresh interior and exterior paint, new kitchen cabinetry, quartz countertops, and new appliances. The primary suite features a fully renovated bath, while the guest bath has also been tastefully updated. Inside you'll find vaulted ceilings in the living room, a split-bedroom floor plan, and open living spaces. Additional features include a two-car garage, and a 50-amp exterior subpanel. Enjoy quick access to boating, fishing, beaches, and downtown St. Augustine. With two nearby community boat ramps and extensive recent improvements this property offers the ideal combination of coastal lifestyle, flexibility, and peace of mind.

Cost to own

Mortgage calculator

Home Price

$549,900

Down Payment: 20%

$109,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,824

Principal & Interest: $2,824

Property taxes (est.): $732

Insurance (est.): $367

Estimated Total Monthly

$3,922

*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$2,824

Property taxesest. at asking price, St. Johns County$732

Estimated total, before insurance$3,556/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2024	$341,596	$291,596	—
2023	$347,479	$297,479	—
2022	$334,027	$251,978	—
2021	$235,450	$229,071	—
2020	$208,246	$208,246	—

Estimated taxes if purchased at asking price: ~$8,800/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.

Hurricane evacuation zone C

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

Roof: Shingle — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Septic system (public record) · Public water · St Johns County Utilities - water accounts

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,553 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