This home is in Royal St Augustine, St. Augustine.

No photos available

This listing has no photos yet

No photos available

This listing has no photos yet

Active

Active·Listed today·Royal St Augustine

1045 Oxford Drive

St. Augustine, FL 32084

$509,000$235/sqftEst. $2,595/moMLS# 2157198

Beds

Baths

2,166

Sq Ft

2005

Built

Garage

Pool

About this home

Royal St Augustine

Welcome to 1045 Oxford Drive! This 3-bedroom, 2.5-bath home offers 2,166 square feet of thoughtfully designed living space with a first-floor primary suite and an open layout that feels both spacious and comfortable. As soon as you walk through the front door, you're greeted by soaring ceilings and an abundance of natural light. The floor-to-ceiling windows and fireplace create a warm, inviting living space that's perfect for relaxing or entertaining. Upstairs, you'll find two additional bedrooms, a full bath, and a loft that makes a great office, playroom, or second living area. The home has been updated with brand-new kitchen appliances, a new HVAC system, and a new washer and dryer, giving the next owner peace of mind from day one. Located in the Royal St. Augustine golf community, you'll enjoy a convenient location just minutes from historic downtown St. Augustine, local restaurants, shopping, and the beaches. If you've been looking for a move-in ready home with character

Cost to own

Mortgage calculator

Home Price

$509,000

Down Payment: 20%

$101,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,595

Principal & Interest: $2,595

Property taxes (est.): $677

Insurance (est.): $339

Estimated Total Monthly

$3,612

*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$2,595

Property taxesest. at asking price, St. Johns County$677

HOAbilled quarterly$75

Estimated total, before insurance$3,348/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,861/yr · $488/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,861/yr

Estimated taxes if purchased at asking price: ~$8,100/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 2005)

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

Solar potential: ~1,811 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 27, 2026Listed$509,000

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

Features

Price$509,000

Price / Sq Ft$235

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,166

Acres0.21 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryWebster

MiddleMurray

HighSt. Augustine

Community Information

Address1045 Oxford Drive, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionRoyal St Augustine

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size9,147.6 sq ft

Parcel Number0892830580

Amenities

AmenitiesBasketball Court, Clubhouse, Golf Course, Jogging Path, Management - Full Time, Management - Off Site, Pickleball, Playground

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewGolf Course, Pond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric, Multi Units

FlooringCarpet, Laminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryLower Level