This home is in Arbor Mill, St. Augustine.

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Active

Active·Listed today·Arbor Mill

308 Athens Drive

St. Augustine, FL 32092

$600,000$203/sqftEst. $3,193/moMLS# 2155535

Beds

Baths

2,951

Sq Ft

2016

Built

Garage

Pool

About this home

Arbor Mill

Wake up to water views every single day. This 2,951 sq. ft. beauty welcomes you through an 8-foot glass door into a wide, light-filled foyer -- and the wow factor doesn't stop there. The formal dining room shows off classic wainscoting and flows into a butler's pantry with barn doors and a coffee station. The chef's kitchen delivers granite countertops, 42'' cabinetry, stainless appliances, and a cozy breakfast nook -- all overlooking a family room with coffered ceilings, custom built-ins, and those same peaceful pond views. Retreat to your first-floor owner's suite featuring two walk-in closets, dual vanities, a soaking tub, and separate shower. Upstairs, four spacious bedrooms and two full baths offer room to grow, host guests, or set up a home office. Step out to the covered lanai and take it all in -- a fenced backyard and tranquil pond right outside your door. 5 bedrooms. 3.5 baths. One incredible price. This one won't last!

Cost to own

Mortgage calculator

Home Price

$600,000

Down Payment: 20%

$120,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,050

Principal & Interest: $3,050

Est. Taxes & Insurance: $762

Estimated Total Monthly

$3,812

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,193

Property taxesest. at asking price, St. Johns County$798

HOAbilled annually$40

Estimated total, before insurance$4,032/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

2025 property taxes (current owner): $4,511/yr

Estimated taxes if purchased at asking price: ~$9,600/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2016)

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

Solar potential: ~1,735 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 18, 2026Active$600,000
Jul 14, 2026Listed$600,000

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

Features

Price$600,000

Price / Sq Ft$203

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,951

Acres0.25 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementaryMill Creek Academy

HighTocoi Creek

Community Information

Address308 Athens Drive, St. Augustine, FL 32092

Area303-Palmo/Six Mile Area

SubdivisionArbor Mill

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size10,890 sq ft

Parcel Number0271411200

Amenities

AmenitiesPool, Barbecue, Basketball Court, Clubhouse, Park, Pickleball, Playground, RV/Boat Storage, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Washer

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

# of Stories2

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySmoke Detector(s)