This home is in Ashley Oaks, St. Augustine — a waterfront home in St. Johns County.
Active Under Contract·96 days on market·Ashley Oaks
174 Scarlet Rose Lane
St. Augustine, FL 32092
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About this home
Ashley Oaks
**NEARLY HALF AN ACRE. NO CDD. BOAT & RV FRIENDLY. ROOM FOR A POOL.** If you've been searching St. Johns County for a home that gives you more room to live, entertain and enjoy the Florida lifestyle, 174 Scarlet Rose Lane deserves a look. Set on a spacious **0.49-acre cul-de-sac homesite with peaceful pond views**, this 5-bedroom, 4-bath Ashley Oaks residence offers something increasingly difficult to find: space and flexibility without giving up location. The floor plan features a **private upstairs suite with its own full bath**, creating an ideal retreat for guests, multigenerational living, older children, a home office or media room. Outside, the oversized homesite offers room to create the backyard you've been envisioning—with space for a **pool, outdoor kitchen, fire pit or private outdoor retreat**. And for buyers with recreational toys, Ashley Oaks offers the rare convenience of **HOA-approved boat and RV parking**. Additional highlights include a 3-car garage, pond view
Next steps in Ashley Oaks
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2013)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · St Johns County Utilities - accounts
County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,787 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve dirt lotabout 13 mi · 60 parking spaces
Closest park or preserve
Gourd Island Conservation Area19 min drive · 3.3 mi of trails
Closest public boat ramp
Palmo Cove Public Boat Rampabout 2 mi · St. Johns River - Palmo Cove
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 7 mi · Saint Johns River
Closest youth league fields
Pacetti Bay School Fields9 min drive · Baseball
Closest grocery store
Publixabout 3 mi · 84 Tuscan Way, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $6,802/yr
Estimated taxes if purchased at asking price: ~$10,500/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.
History
Price & status history
- Oct 15, 2026Active Under Contract$655,000
- Aug 20, 2026Price change$655,000−$20,000
- Jul 18, 2026Listed$675,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $241/sq ft; this home is listed at $226/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 93 Scarlet Rose Lane, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Sep 2026 | $750,000 | $280 | 5/4 | 2,679 | 5 | 0.2 |
| 324 Silver Glen Avenue, St. Augustine, FL 32092Listed by FLUID REALTY, LLC. | Sep 2026 | $362,500 | $136 | 4/2.5 | 2,668 | 7 | 0.5 |
| 479 Athens Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTY | Sep 2026 | $622,000 | $241 | 3/2.5 | 2,577 | 17 | 0.6 |
| 757 Flowers Street, St. Augustine, FL 32092Listed by WATSON REALTY CORP | Aug 2026 | $524,900 | $236 | 5/3 | 2,221 | 12 | 0.8 |
| 712 Flowers Street, St. Augustine, FL 32092Listed by FLORIDA CONCIERGE REAL ESTATE | Aug 2026 | $395,000 | $180 | 4/2 | 2,198 | 49 | 0.8 |
| 163 Vivian James Drive, St. Augustine, FL 32092Listed by HOUSE & HAVEN | Sep 2026 | $635,000 | $252 | 4/3 | 2,517 | 17 | 0.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REALTY ONE GROUP ELEVATE
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Ashley Oaks
Ashley Oaks is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines