This home is in St. Augustine.

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Active Under Contract

Active Under Contract·14 days on market

521 Scrub Jay Drive

St. Augustine, FL 32092

$235,000$175/sqftEst. $1,198/moMLS# 2155052

Beds

Baths

1,346

Sq Ft

2006

Built

Garage

Pool

About this home

St. Augustine

3.875% Assumable FHA Mortgage - Ask Listing Agent for details! Don't miss this 2-bedroom, 2.5-bath townhome located in St. Johns County, zoned for highly rated A-rated schools. This move-in ready home offers outstanding value with updates already completed, including a new roof (2021), flooring (2022), and HVAC system (2023). This floor plan features two spacious upstairs bedrooms, each with their own bathroom and walk-in closet, A guest half bath is located on the first floor. Step outside to your fully fenced backyard--ideal for pets, gardening, entertaining, or simply relaxing in your own private outdoor space. The attached garage includes additional shelving for extra storage. Located in a gated community, you'll enjoy being just a short walk from the community pool, dog park, and guest parking. With low-maintenance living, excellent schools and major commuter routes, this home offers an exceptional opportunity to enjoy St. Johns lifestyle at an affordable price!

Cost to own

Mortgage calculator

Home Price

$235,000

Down Payment: 20%

$47,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,198

Principal & Interest: $1,198

Property taxes (est.): $313

Insurance (est.): $157

Estimated Total Monthly

$1,668

*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$1,198

Property taxesest. at asking price, St. Johns County$313

HOAbilled monthly$212

Estimated total, before insurance$1,723/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,459/yr · $288/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
2025	$232,045	$232,045	—
2024	$237,403	$168,967	—
2023	$212,589	$162,589	—
2022	$180,993	$155,463	—
2021	$141,330	$141,330	—
2020	$130,964	$130,964	—

2025 property taxes (current owner): $3,459/yr

Estimated taxes if purchased at asking price: ~$3,800/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 (2025), 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 — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,759 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