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

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Active

Active·46 days on market·Murabella

913 E Terranova Way

St. Augustine, FL 32092

$495,000$250/sqftEst. $2,545/moMLS# 2155093

Beds

Baths

1,977

Sq Ft

2005

Built

Garage

Pool

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-larger than many new community homes-you'll enjoy a spacious backyard oasis w/ mature trees, pond views, & plenty of room to relax or entertain. 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 bond, 2025 water heater, Roof 8yrs, HVAC 7yrs.

Cost to own

Mortgage calculator

Home Price

$495,000

Down Payment: 20%

$99,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,545

Principal & Interest: $2,545

Property taxes (est.): $659

Insurance (est.): $330

Estimated Total Monthly

$3,533

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,545

Property taxesest. at asking price, St. Johns County$659

HOAbilled annually$6

Estimated total, before insurance$3,210/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).

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.

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.

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.

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

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

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