This home is in Bridgewater, St. Augustine.

1 / 25

Active

Active·13 days on market·Bridgewater

53 Oarsman Crossing Drive

St. Augustine, FL 32095

$269,900$223/sqftEst. $1,376/moMLS# 2155050

Beds

Baths

1,210

Sq Ft

2022

Built

Garage

Pool

About this home

Bridgewater

COMING SOON! BEAUTIFUL TOWNHOUSE IN THE DESIRABLE BRIDGEWATER COMMUNITY. THIS HOME OFFERS AN OPEN AND BRIGHT FLOOR PLAN WITH SPACIOUS LIVING AND DINING AREAS, A MODERN KITCHEN WITH AMPLE CABINETRY, AND COMFORTABLE BEDROOMS DESIGNED FOR BOTH RELAXATION AND FUNCTIONALITY. ENJOY A PRIVATE PATIO, PERFECT FOR MORNING COFFEE OR EVENING GATHERINGS WITH A LAKEVIEW. LOCATED IN A QUIET, FAMILY-FRIENDLY COMMUNITY WITH ACCESS TO TOP-RATED SCHOOLS, SHOPPING, DINNING, AND MAJOR HIGHWAYS. THIS PROPERTY COMBINES COMFORT, CONVENIENCE AND FLORIDA LIFESTYLE IN ONE PERFECT PACKAGE. IDEAL FOR FAMILIES, FIRST-TIME BUYERS OR INVESTORS.

Cost to own

Mortgage calculator

Home Price

$269,900

Down Payment: 20%

$53,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,376

Principal & Interest: $1,376

Property taxes (est.): $359

Insurance (est.): $180

Estimated Total Monthly

$1,915

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,376

Property taxesest. at asking price, St. Johns County$359

HOAbilled monthly$65

Estimated total, before insurance$1,800/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,922/yr · $410/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

2025 property taxes (current owner): $4,922/yr

Estimated taxes if purchased at asking price: ~$4,300/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, 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: material not specified — year not disclosed (home built 2022)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,502 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 13, 2026Active$269,900
Jul 11, 2026Listed$269,900

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

Features

Price$269,900

Price / Sq Ft$223

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,210

Acres0.04 acres

Year Built2022

TypeResidential

Sub-TypeTownhouse

StylePatio Home

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighBeachside

Community Information

Address53 Oarsman Crossing Drive, St. Augustine, FL 32095

Area304- 210 South

SubdivisionBridgewater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size1,742.4 sq ft

Parcel Number0261010860

Amenities

AmenitiesPool, Other, Car Wash Area, Clubhouse, Dog Park, Fitness Center, Playground

UtilitiesElectricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

Green / EnergyDoors, Windows

ParkingAttached, Garage

ViewLake

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesElectric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup