This home is in St. Augustine.

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Active·Listed today

2905 Joe Ashton Road

St. Augustine, FL 32092

$894,000$254/sqftEst. $4,758/moMLS# 2155892

Beds

Baths

3,516

Sq Ft

1987

Built

Garage

Pool

About this home

St. Augustine

Private 4-acre country estate on Joe Ashton Rd in highly desirable St. Johns County! 4BR/3BA 3500 square foot, two-story home featuring a stone fireplace, updated primary bath, and spacious layout. Set back from the road with a long scenic driveway for ultimate privacy. Attached 2-car garage and separate extra 2-car garage, perfect for storage, hobbies, or business use. Plenty of room for animals, recreation, or expansion. This property also boasts a workshop that sits behind the home. Enjoy peaceful country living while still being conveniently near top-rated schools, shopping, dining, and just a short drive to historic St. Augustine and area beaches. Endless potential in a prime location!

Cost to own

Mortgage calculator

Home Price

$894,000

Down Payment: 20%

$178,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,544

Principal & Interest: $4,544

Est. Taxes & Insurance: $1,136

Estimated Total Monthly

$5,680

*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$4,758

Property taxesest. at asking price, St. Johns County$1,190

Estimated total, before insurance$5,948/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): $2,919/yr

Estimated taxes if purchased at asking price: ~$14,300/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 1987)

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

Solar potential: ~1,559 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