This home is in St. Augustine.

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3 Geberts Way

St. Augustine, FL 32080

$1,100,000$453/sqftEst. $5,591/moMLS# 2156210

Beds

Baths

2,427

Sq Ft

1979

Built

Garage

Pool

About this home

St. Augustine

Welcome home to one of St. Augustine's Beach most special waterfront retreats. From the moment you walk through the front door, you'll know you've found the one. Every room draws your attention to the breathtaking views of spring-fed Lake Anhinga, where peaceful waters and natural beauty create a truly unforgettable setting. Tucked away on a quiet, private road, this home offers the perfect blend of character, charm, and tranquility. The picturesque, park-like property is surrounded by beautifully designed zero-scape landscaping, providing year-round beauty with minimal maintenance. Spring-fed Lake Anhinga is a rare gem in St. Augustine Beach, making this an exceptional opportunity to own a home in one of the area's most unique and serene locations. Whether you're enjoying your morning coffee overlooking the water or unwinding as the sun sets across the lake, this is where lasting memories are made and everyday feels like a retreat.

Cost to own

Mortgage calculator

Home Price

$1,100,000

Down Payment: 20%

$220,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$5,591

Principal & Interest: $5,591

Property taxes (est.): $1,464

Insurance (est.): $733

Estimated Total Monthly

$7,788

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$5,591

Property taxesest. at asking price, St. Johns County$1,464

Estimated total, before insurance$7,055/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): $9,728/yr

Estimated taxes if purchased at asking price: ~$17,600/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Metal — year not disclosed (home built 1979)

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: ~1,642 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

Jul 20, 2026Listed$1,100,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,100,000

Price / Sq Ft$453

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,427

Acres0.41 acres

Year Built1979

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Cottage

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address3 Geberts Way, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionLake Sienna

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Lot Size17,859.6 sq ft

Parcel Number1628500010

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewLake

Waterfront TypeLake Front

Interior

Interior FeaturesKitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories2

LevelsTwo

Window FeaturesSkylight(s)