This home is in Oakbrook, St. Augustine.

Active

Active·Listed today·Oakbrook

704 Charmwood Drive

St. Augustine, FL 32086

$650,000$356/sqftEst. $3,460/moMLS# 2154510

Beds

Baths

1,827

Sq Ft

1995

Built

Garage

Yes

Pool

About this home

Oakbrook

Welcome home to this beautifully renovated 4-bedroom, 2-bathroom residence situated on nearly an acre in the desirable Oakbrook community. No detail has been overlooked in this top-to-bottom transformation, offering the buyer true move-in-ready peace of mind. The heart of the home features a brand-new kitchen, complemented by fully renovated bathrooms and new flooring throughout. Major systems have all been updated, including a new HVAC system, new water heater, and all-new appliances eliminating the guesswork that often comes with an older home. Step outside to your private backyard retreat, complete with a newly resurfaced pool and all-new pool equipment, set on an expansive, nearly one-acre lot with room to roam. Beyond your own oasis, Oakbrook residents enjoy access to a community pool, clubhouse, and tennis courts. This is a rare opportunity to own a fully updated home on a premium lot in Oakbrook without the price tag of new construction. Schedule your private showing today.

Cost to own

Mortgage calculator

Home Price

$650,000

Down Payment: 20%

$130,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$3,460

Principal & Interest: $3,460

Est. Taxes & Insurance: $865

Estimated Total Monthly

$4,324

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$3,460

Property taxesest. at asking price, St. Johns County$865

HOAbilled monthly$100

Estimated total, before insurance$4,425/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$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: ~$10,400/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.

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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

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$650,000

Price / Sq Ft$356

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,827

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