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This home is in Arbor Mill, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·27 days on market·Arbor Mill

308 Athens Drive

St. Augustine, FL 32092

$595,000$202/sqftEst. $3,062/moMLS# 2155535

Beds

Baths

2,951

Sq Ft

2016

Built

Garage

Pool

About this home

Arbor Mill

$5,000 Seller Concession with an Acceptable Offer! Use it toward closing costs, a rate buy-down, or prepaid expenses and make this exceptional home an even better value. Wake up to peaceful pond views every single day. This 2,951 sq. ft. home welcomes you through an 8-foot glass front door into a wide, light-filled foyer where thoughtful design shines throughout. The formal dining room features classic wainscoting and flows into a butler's pantry with barn doors and a coffee station. The chef's kitchen offers granite countertops, 42-inch cabinetry, stainless steel appliances, abundant storage, and a cozy breakfast nook overlooking the family room with coffered ceilings, custom built-ins, and tranquil pond views The first-floor owner's suite includes two walk-in closets, dual vanities, a soaking tub, and a separate shower. Upstairs, you'll find four spacious bedrooms, including one with its own ensuite bath, plus an additional full bath--ideal for guests, multigenerational living...

Cost to own

Mortgage calculator

Home Price

$595,000

Down Payment: 20%

$119,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,062

Principal & Interest: $3,062

Property taxes (est.): $792

Insurance (est.): $397

Estimated Total Monthly

$4,250

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$3,062

Property taxesest. at asking price, St. Johns County$792

HOAbilled semi-annually$64

Estimated total, before insurance$3,918/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,511/yr · $376/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): $4,511/yr

Estimated taxes if purchased at asking price: ~$9,500/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

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 6, 2026Price change$595,000−$5,000
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$595,000

Price / Sq Ft$202

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)