This home is in St. Augustine.

Active

Active·1 day on market

5520 Muskogean Street

St. Augustine, FL 32092

$849,999$221/sqftEst. $4,334/moMLS# 2156895

Beds

Baths

3,854

Sq Ft

2010

Built

Garage

Yes

Pool

About this home

St. Augustine

Set on 1.22 peaceful acres in rural St. Augustine, this beautifully maintained property offers the perfect blend of privacy, functionality, and modern comfort. Built with durable concrete block and brick construction, this 3,854-square-foot, single-story home features 4 bedrooms, 3.5 bathrooms, soaring vaulted ceilings with skylights, recessed lighting, a cozy wood-burning fireplace, and fresh interior updates throughout. The updated kitchen shines with a designer backsplash and a Forno gas range, while tile and wood flooring add timeless appeal. Designed for both everyday living and long-term peace of mind, the spacious primary suite includes a walk-in closet that also serves as a safe room, offering potential insurance savings. Recent improvements include a newer septic drain field (2021), newer water heater (2021), and all-new lighting. Step outside and embrace the lifestyle you've been dreaming of. Relax on the expansive screened lanai overlooking the pool and spa, enjoy evenings

Cost to own

Mortgage calculator

Home Price

$849,999

Down Payment: 20%

$170,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,334

Principal & Interest: $4,334

Property taxes (est.): $1,131

Insurance (est.): $567

Estimated Total Monthly

$6,032

*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$4,334

Property taxesest. at asking price, St. Johns County$1,131

Estimated total, before insurance$5,465/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.

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 2010)

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

Septic system (public record) · Private well (public record)

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: ~1,776 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 24, 2026Listed$849,999

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

Features

Price$849,999

Price / Sq Ft$221

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,854

Acres1.22 acres

Year Built2010

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages5

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address5520 Muskogean Street, St. Augustine, FL 32092

Area343-Molasses Junction/Elkton

SubdivisionIndian Trace

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size53,143.2 sq ft

Parcel Number0306950110

Amenities

UtilitiesElectricity Connected, Water Connected, Propane

SewerSeptic Tank

Water SourceWell

ParkingDetached, Garage, Garage Door Opener, RV Access/Parking, Other

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Water Heater, Gas Range, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LaundryIn Unit, Sink

Window FeaturesSkylight(s)

SecuritySecurity Gate, Smoke Detector(s)

Spa FeaturesIn Ground