This home is in St. Augustine.

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224 Pine Arbor Circle

St. Augustine, FL 32084

$409,500$232/sqftEst. $2,180/moMLS# 2155811

Beds

Baths

1,768

Sq Ft

2007

Built

Garage

Pool

About this home

St. Augustine

Beautifully updated 4BR/2BA single-story home in the desirable Heritage Park community of Quail Ridge Village! Offering over 1,700 sq. ft. of light-filled living space, this move-in-ready home features an open floor plan, luxury vinyl plank flooring throughout, fresh interior paint, a beautifully remodeled kitchen with new quartz countertops, new cabinets, and all-new stainless steel appliances. The spacious primary suite includes a private ensuite bath, and the large backyard is perfect for entertaining or relaxing. Conveniently located near schools, shopping, parks, and just minutes from Historic Downtown St. Augustine, with its charming shops, restaurants, historic attractions, trolley tours, and nearby Vilano Beach and St. Augustine Beach. Enjoy the best of Florida living in this exceptional home!

Cost to own

Mortgage calculator

Home Price

$409,500

Down Payment: 20%

$81,900

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,081

Principal & Interest: $2,081

Est. Taxes & Insurance: $520

Estimated Total Monthly

$2,602

*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$2,180

Property taxesest. at asking price, St. Johns County$545

HOAbilled quarterly$77

Estimated total, before insurance$2,802/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): $5,596/yr

Estimated taxes if purchased at asking price: ~$6,500/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2007)

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

Solar potential: ~1,664 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