This home is in Oakbrook, St. Augustine.

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Active

Active·1 day on market·Oakbrook

3369 Kings Road S

St. Augustine, FL 32086

$715,000$229/sqftEst. $3,806/moMLS# 2155821

Beds

Baths

3,127

Sq Ft

2000

Built

Garage

Pool

About this home

Oakbrook

Welcome to Oakbrook, one of St. Augustine's best-kept neighborhood secrets. This established community is known for its large homesites, mature oak trees, and quiet setting, while remaining just minutes from historic downtown St. Augustine, the beaches, shopping, dining. Situated on more than half an acre beneath a canopy of mature oaks, this home offers over 3,000 square feet with a functional layout designed for both everyday living and entertaining. The primary suite is positioned on one side of the home for privacy, while four additional bedrooms occupy their own wing. A front office provides flexible space and can easily serve as a fifth bedroom. Upstairs, a loft with an en suite bath is ideal for guests, flex space or multigenerational living. The updated kitchen serves as the heart of the home, featuring built-in stainless steel appliances, premium finishes, Bermuda cabinetry, and an open-concept design that flows seamlessly into the main living area.

Cost to own

Mortgage calculator

Home Price

$715,000

Down Payment: 20%

$143,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,634

Principal & Interest: $3,634

Est. Taxes & Insurance: $909

Estimated Total Monthly

$4,543

*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$3,806

Property taxesest. at asking price, St. Johns County$951

HOAbilled monthly$100

Estimated total, before insurance$4,857/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): $7,692/yr

Estimated taxes if purchased at asking price: ~$11,400/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: material not specified — year not disclosed (home built 2000)

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

Septic system (public record) · Public water · St Johns County Utilities - water accounts

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,533 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