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This home is in Oakbrook, St. Augustine — a gated community home in St. Johns County.

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Active

Active·45 days on market·Oakbrook

704 Charmwood Drive

St. Augustine, FL 32086

$574,900$261/sqftEst. $2,953/moMLS# 2154510

Beds

Baths

2,200

Sq Ft

1995

Built

Garage

Yes

Pool

About this home

Oakbrook

Welcome home to this fully renovated, move-in-ready 4-bedroom, 2-bathroom pool home on a rare, nearly half-acre lot in the highly sought-after Oakbrook community. This top-to-bottom renovation delivers true turnkey living with zero deferred maintenance a standout alternative to new construction, without the new-construction price tag. The open-concept interior showcases a brand-new gourmet kitchen, fully renovated bathrooms, and new flooring throughout. Every major system has been upgraded, including a new HVAC system, new water heater, and all-new appliances, giving buyers complete peace of mind and eliminating the guesswork of an older home. Outside, enjoy your own private backyard oasis featuring a newly resurfaced pool with all-new pool equipment, set on an expansive, nearly half-acre lot with plenty of room to roam, entertain, or expand. Oakbrook residents also enjoy exclusive access to a community pool, clubhouse, and tennis courts resort-style amenities in an established

Cost to own

Mortgage calculator

Home Price

$574,900

Down Payment: 20%

$114,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,953

Principal & Interest: $2,953

Property taxes (est.): $765

Insurance (est.): $383

Estimated Total Monthly

$4,101

*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$2,953

Property taxesest. at asking price, St. Johns County$765

HOAbilled monthly$100

Estimated total, before insurance$3,818/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,307/yr · $192/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	$385,051	$129,852	—
2023	$367,920	$124,468	—
2022	$345,254	$123,741	—
2021	$247,154	$118,666	—
2020	$244,848	$116,330	—

2025 property taxes (current owner): $2,307/yr

Estimated taxes if purchased at asking price: ~$9,200/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 1995)

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

Likely septic · 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: ~1,352 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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 24, 2026Price change$574,900−$24,804
Aug 18, 2026Price change$599,704−$196
Aug 10, 2026Price change$599,900−$25,000
Jul 27, 2026Price change$624,900−$24,100
Jul 16, 2026Price change$649,000−$1,000
Jul 10, 2026Active$650,000
Jul 9, 2026Listed$650,000

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

Features

Price$574,900

Price / Sq Ft$261

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,200

Acres0.44 acres

Year Built1995

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

Gated CommunityYes

Community Information

Address704 Charmwood Drive, St. Augustine, FL 32086

Area337-Old Moultrie Rd/Wildwood

SubdivisionOakbrook

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Lot Size19,166.4 sq ft

Parcel Number1368051340

Amenities

AmenitiesPool, Clubhouse, Gated, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Water Connected

SewerSeptic Tank

Water SourcePublic, Well

ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, In-Law Floorplan, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryIn Garage

SecuritySecurity Gate

Spa FeaturesIn Ground