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 Arbor Mill, St. Augustine — a home near Tocoi Creek High School.

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Active Under Contract

Active Under Contract·45 days on market·Arbor Mill

479 Athens Drive

St. Augustine, FL 32092

$620,000$241/sqftEst. $3,184/moMLS# 2154451

Beds

Baths

2,577

Sq Ft

2019

Built

Garage

Pool

About this home

Arbor Mill

If your weekends are spent exploring rather than mowing the lawn, this home was designed with you in mind. This beautifully upgraded single-story home offers the rare combination of luxury living and an incredible 45-foot air-conditioned RV/boat garage. Whether you own a motorhome, boat, classic car collection, or simply need exceptional storage, this space is a dream. It even includes an insulated attic plus a separate hobby room that's perfect for a workshop, tackle room, craft space, home gym, or organized gear storage. Inside, the open floor plan features a spacious island kitchen with stone countertops, stainless steel appliances, soft-close cabinets and drawers, an instant hot water dispenser, and abundant workspace for entertaining. A stylish barn door transforms the flex room into the ideal home office, den, or guest retreat. The private owner's suite offers a generous walk-in closet and spa-inspired bath, while two additional bedrooms

Cost to own

Mortgage calculator

Home Price

$620,000

Down Payment: 20%

$124,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,184

Principal & Interest: $3,184

Property taxes (est.): $825

Insurance (est.): $413

Estimated Total Monthly

$4,422

*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$3,184

Property taxesest. at asking price, St. Johns County$825

HOAbilled semi-annually$65

Estimated total, before insurance$4,074/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,230/yr · $602/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

Year	Market value	Taxable value	Change
2024	$538,343	$480,137	—
2023	$538,343	$436,488	—
2022	$456,392	$396,807	—
2021	$360,734	$360,734	—
2020	$332,888	$332,888	—

2025 property taxes (current owner): $7,230/yr

Estimated taxes if purchased at asking price: ~$9,900/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 2019)

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

Solar potential: ~1,770 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

Jul 25, 2026Active Under Contract$620,000
Jul 8, 2026Listed$620,000

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

Features

Price$620,000

Price / Sq Ft$241

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,577

Acres0.18 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

StatusActive Under Contract

# of Garages4

Has PoolNo

Is WaterfrontNo

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address479 Athens Drive, St. Augustine, FL 32092

Area303-Palmo/Six Mile Area

SubdivisionArbor Mill

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,840.8 sq ft

Parcel Number0271420060

Amenities

AmenitiesPool, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, RV Access/Parking

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

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