Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

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Pending

$1,190,000Pending4 bd · 3.5 ba · 2,131 sq ft

Pending·102 days on market

301 Twelvth Street

St. Augustine, FL 32084

$1,190,000$558/sqftEst. $6,488/mo mortgageMLS# 2157327

Beds

3.5

Baths

2,131

Sq Ft

2026

Built

Garage

Yes

Pool

FEMA Zone AENo HOA4,792 sqft lotSingle Family Residence2 storiesNew construction

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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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

New Construction Pool Home, Corner Lot, 1 Block to Ocean, No HOA! Secure your coastal retreat or vacation home before construction is complete. Featuring 2131sqft of living space, 4 beds, 3.5 baths, one-car garage, saltwater pool, LVP flooring throughout, Hardie siding exterior, and impact resistant windows. Walkable to the beach and minutes from historic St. Augustine, dining, and entertainment. Perfect for both full-time living or short-term rental opportunities, this prime location delivers both relaxation and strong investment potential. 2-10 Builders Home Warranty included with purchase

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$6,488

Property taxesest. at asking price, St. Johns County$1,583

Estimated total, before insurance$8,071/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$1,190,000

Down Payment: 20%

$238,000

Interest Rate: 7.24%

Loan Term

Monthly Payment

$6,488

Principal & Interest: $6,488

Property taxes (est.): $1,584

Insurance (est.): $793

Estimated Total Monthly

$8,865

*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2026)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,822 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Closest beach access
Thirteenth St
about 0.1 mi
Closest park or preserve
Anastasia State Park
about 5 mi · 0.7 mi of trails
Closest public boat ramp
Vilano Public Boat Ramp
about 3 mi · Tolomato River / St. Augustine Inlet
Closest kayak & paddleboard launch
Fort Mose Historic State Park – Kayak Launch Dock
about 2 mi · Robinson Creek - Tolomato River
Closest youth league fields
Ketterlinus Gym Community Center
about 4 mi · Basketball
Closest grocery store
Winn-Dixie
about 2 mi · 3551 N Ponce De Leon Blvd, St Augustine

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

Jul 30, 2026Pending$1,190,000
Jul 27, 2026Listed$1,190,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $418/sq ft; this home is listed at $558/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
302 12th Street, St. Augustine, FL 32084Listed by SUNCOAST PROPERTY MANAGEMENT LLC	Jun 2026	$806,000	$496	4/3	1,624	115	0
404 Fourteenth Street, St. Augustine, FL 32084Listed by THE NEWCOMER GROUP	Sep 2026	$712,500	$406	3/2.5	1,753	134	0.1
225 Twentieth Street, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY	Oct 2026	$862,500	$453	4/2	1,903	87	0.4
405 Fifth Street, Vilano Beach, FL 32084Listed by ONE SOTHEBY'S INTERNATIONAL REALTY	Aug 2026	$730,000	$365	3/2	2,000	11	0.4
402 3rd Street, St. Augustine, FL 32084Listed by COMPASS FLORIDA LLC	Oct 2026	$750,000	$418	4/2.5	1,794	20	0.5
301 Twenty-Second Street, St. Augustine, FL 32084Listed by DEKAY COASTAL PROPERTIES	Aug 2026	$685,000	$317	3/2	2,158	84	0.5

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$1,190,000

Price / Sq Ft$558

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,131

Acres0.11 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusPending

# of Garages1

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontNo

New ConstructionYes

School Information

This listingNo schools reported in the MLS

ElementaryKetterlinus, reported on 17 other North Beach listings

MiddleSebastian, reported on 17 other North Beach listings

HighSt. Augustine, reported on 17 other North Beach listings

County schoolsSt. Johns County Schools

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address301 Twelvth Street, St. Augustine, FL 32084

Area266-Vilano Beach

SubdivisionNorth Beach

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size4,791.6 sq ft

Lot Dimensions50' x 100'

Parcel Number1459070010

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

# of Stories2

LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Exterior FeaturesImpact Windows

FencingBack Yard

RoofShingle

ConstructionFiber Cement

Additional Information

Date ListedJuly 28, 2026

Days on Market102

Listing TermsCash, Conventional, Other

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: LINWARD REALTY, LLC

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.

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