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·46 days on market

122 Brybar Drive

St. Augustine, FL 32095

$425,000$293/sqftEst. $2,183/moMLS# 2154522

Beds

Baths

1,452

Sq Ft

2020

Built

Garage

Pool

About this home

St. Augustine

Welcome to Creekside at Twin Creeks, Where Comfort Meets Lifestyle! Situated in the heart of St. Johns County, this beautifully maintained 3-bedroom, 2-bathroom home blends modern upgrades with the charm of Florida outdoor living. Step into your backyard oasis, featuring serene pond views and an expansive paver patio designed for both relaxation and entertainment. Complete with a jacuzzi, built-in flat top grill, and a privacy wall. The covered grilling area is built to impress with durable metal framing, tile finishes, a marble countertop, stylish backsplash, and a premium flat top grill. Stainless steel cabinet features include a vented hood, storage drawers, and under-counter storage with a modern outdoor sink. Relax with accent lighting LED lanai lights, solar lighting, Govee smart lights, and Bluetooth speakers, perfect for evening hangouts, cookouts, and gardening alike.

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,183

Principal & Interest: $2,183

Property taxes (est.): $566

Insurance (est.): $283

Estimated Total Monthly

$3,032

*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$2,183

Property taxesest. at asking price, St. Johns County$566

HOAbilled quarterly$102

Estimated total, before insurance$2,850/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	$332,591	$282,591	—
2023	$286,911	$266,928	—
2022	$278,183	$242,662	—
2021	$220,602	$220,602	—
2020	$70,000	$70,000	—

Estimated taxes if purchased at asking price: ~$6,800/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2020)

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

Solar potential: ~1,765 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 9, 2026Listed$425,000

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

Features

Price$425,000

Price / Sq Ft$293

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,452

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address122 Brybar Drive, St. Augustine, FL 32095

Area304- 210 South

SubdivisionTwin Creeks

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0237135790

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Playground

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup