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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St. Augustine — a new construction home in St. Johns County.

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Active

Active·65 days on market

887 E Aiken Street

St. Augustine, FL 32084

$294,900$252/sqftEst. $1,574/moMLS# 2157266
↓ $20,000 below original list
3
Beds
2
Baths
1,171
Sq Ft
2026
Built
—
Garage
No
Pool
FEMA Zone XNo HOA6,098 sqft lotSingle Family Residence1 storyNew construction

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

St. Augustine

Welcome to 887 E. Aiken St.! This soon to be completed 3-bedroom, 2-bathroom home offers 1,171 sq. ft. of thoughtfully designed living space. Soaring vaulted ceilings create an open, spacious feel, while the beautiful kitchen features luxurious countertops, soft-close cabinetry, and a seamless flow into the living and dining areas. Durable luxury vinyl plank flooring adds style and easy maintenance throughout. Step outside to enjoy the fully fenced backyard with a wood deck, perfect for relaxing or grilling. Conveniently located just minutes from historic downtown St. Augustine, shopping, restaurants, grocery stores, and I-95, you'll enjoy both comfort and convenience. Best of all, there's no HOA, giving you added freedom and flexibility. Schedule your private showing today!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$1,574
Property taxesest. at asking price, St. Johns County$392
Estimated total, before insurance$1,967/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,653/yr · $138/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$294,900
$58,980
Loan Term
Monthly Payment
$1,574
Principal & Interest: $1,574
Property taxes (est.): $392
Insurance (est.): $197
Estimated Total Monthly
$2,163
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Metal — year not disclosed (home built 2026)

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

Likely septic

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: ~1,662 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,653/yr

Estimated taxes if purchased at asking price: ~$4,700/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

  • Sep 28, 2026Price change$294,900−$5,000
  • Aug 28, 2026Price change$299,900−$8,000
  • Aug 19, 2026Price change$307,900−$7,000
  • Jul 27, 2026Listed$314,900

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

Features

Price$294,900
Price / Sq Ft$252
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,171
Acres0.14 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleCottage
Property ConditionUnder Construction
StatusActive
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

Community Information

Address887 E Aiken Street, St. Augustine, FL 32084
Area336-Ravenswood/West Augustine
SubdivisionSanta Rosa
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size6,098.4 sq ft
Lot Dimensions50x125
Parcel Number1165600000
ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingOff Street

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchDeck, Front Porch, Patio, Porch
FencingFenced, Back Yard, Full, Wood
RoofMetal
ConstructionFrame, Vinyl Siding

Additional Information

Date ListedJuly 27, 2026
Days on Market63
Tax Amount$1,652.5
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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