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3613 Fort Peyton Circle

St. Augustine, FL 32086

$429,900$253/sqftEst. $2,192/moMLS# 2156830

Beds

Baths

1,699

Sq Ft

2023

Built

—

Garage

Pool

About this home

St. Augustine

Some homes make a great first impression. The best ones continue to impress long after you've moved in. Built in 2023, this thoughtfully crafted home proves that true quality isn't just about what catches your eye it's about the craftsmanship, intentional upgrades, and everyday details you'll appreciate for years to come. It's often the things you don't immediately notice the quality behind the walls, the thoughtful construction, and the owner-selected upgrades that become the features you'll value the most. From the moment you step inside, soaring vaulted ceilings and an open-concept floor plan create a bright, inviting atmosphere. Every finish was selected with both style and longevity in mind, featuring solid wood cabinets, quartz countertops, a designer tile backsplash, stainless steel appliances, filtered drinking water, and a spacious center island with breakfast bar. Luxury vinyl plank flooring flows throughout the main living

Cost to own

Mortgage calculator

Home Price

$429,900

Down Payment: 20%

$85,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,192

Principal & Interest: $2,192

Property taxes (est.): $572

Insurance (est.): $287

Estimated Total Monthly

$3,051

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,192

Property taxesest. at asking price, St. Johns County$572

Estimated total, before insurance$2,764/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, 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.

Cost to own

Taxes & assessment

property taxes (current owner): $2,630/yr

Estimated taxes if purchased at asking price: ~$6,900/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 2023)

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

Solar potential: ~1,651 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

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 24, 2026Listed$429,900

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

Features

Price$429,900

Price / Sq Ft$253

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,699

Total Structure Area1,827 sq ft

Acres0.35 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

Has PoolNo

Is WaterfrontNo

School Information

ElementaryOtis A. Mason

MiddleGamble Rogers

HighPedro Menendez

Community Information

Address3613 Fort Peyton Circle, St. Augustine, FL 32086

Area337-Old Moultrie Rd/Wildwood

SubdivisionFort Peyton Forest

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Lot Size15,246 sq ft

Lot Dimensions92x159x93x1168

Parcel Number1367800710

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPrivate Sewer

Water SourcePublic

Green / EnergyInsulation

ParkingOff Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesElectric Oven, Freezer, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Sink, Washer Hookup