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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Murabella, St. Augustine — a waterfront home in St. Johns County.

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Active

Active·91 days on market·Murabella

913 E Terranova Way

St. Augustine, FL 32092

$495,000$250/sqftEst. $2,742/moMLS# 2155093
↓ $5,000 below original list
3
Beds
2
Baths
1,977
Sq Ft
2005
Built
2
Garage
No
Pool

10 more homes for sale in Murabella →Search Murabella on the map

FEMA Zone XHOA $6/mo9,148 sqft lotWaterfrontSingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Murabella

Tucked away on a quiet street, this meticulously maintained 3-bed, 2-bath home offers the perfect blend of comfort, space, & Florida living! Situated on a generous .21-acre lot, you'll love the private backyard oasis, where mature trees, peaceful pond views, & plenty of space create the perfect setting to relax, entertain, or simply enjoy your own outdoor retreat. Inside, an inviting open floor plan features 10' ceilings, gleaming hardwood floors, tile in living areas, a separate dining room, & a versatile flex space perfect for a home office. The spacious kitchen showcases solid surface countertops, stainless steel appliances, breakfast bar, eat-in dining area, & a large walk-in pantry. The private split-bedroom layout includes a huge primary suite w/ backyard access, custom farm door, soaking tub, step-in shower, double vanities, & walk-in closet. Add'l features include custom closets in both bedrooms, water softener, security wiring, sprinklers front & back, transferable termite

Next steps in Murabella

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,742
Property taxesest. at asking price, St. Johns County$659
HOAbilled annually$6
Estimated total, before insurance$3,407/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,442/yr · $704/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$495,000
$99,000
Loan Term
Monthly Payment
$2,742
Principal & Interest: $2,742
Property taxes (est.): $659
Insurance (est.): $330
Estimated Total Monthly
$3,730
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2005)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,737 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $8,442/yr

Estimated taxes if purchased at asking price: ~$7,900/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.

History

Price & status history

  • Aug 18, 2026Price change$495,000−$5,000
  • Jul 13, 2026Listed$500,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $214/sq ft; this home is listed at $250/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2421 E Caparina Drive, St. Augustine, FL 32092Listed by UNITED REAL ESTATE GALLERYSep 2026$510,000$2404/32,129250.7
1176 Nochaway Drive, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLCSep 2026$425,000$1894/22,251730.8
1364 Nochaway Drive, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$414,000$1994/22,085170.9
1204 Paradise Pond Road, St. Augustine, FL 32092Listed by DAVIDSON REALTY, INC.Sep 2026$411,000$2223/21,850601.1
423 Samara Lakes Parkway, St. Augustine, FL 32092Listed by 1 REALTY CORPAug 2026$363,999$2143/21,699271.3
1134 Ardmore Street, St. Augustine, FL 32092Listed by PEARSALL PROPERTIES INCSep 2026$340,000$2033/21,67411.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$495,000
Price / Sq Ft$250
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,977
Acres0.21 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

Zoned elementaryMill Creek Academy
Zoned middleMill Creek Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryMill Creek Academy
Reported middleMill Creek Academy
Reported highTocoi Creek
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address913 E Terranova Way, St. Augustine, FL 32092
Area308-World Golf Village Area-SW
SubdivisionMurabella
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size9,147.6 sq ft
Parcel Number0286850580

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Management- On Site, Pickleball, Playground, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Wood
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Rear Porch
FencingBack Yard, Wrought Iron
RoofShingle
ConstructionStucco

Additional Information

Date ListedJuly 13, 2026
Days on Market89
HOA Fees$75 / Annually
HOA FrequencyAnnually
HOA NameFreedom Community Management
Tax Amount$8,442.37
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Murabella

Murabella is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.

View all Murabella homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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