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 South Hampton, St. Augustine — a home near Bartram Trail High School.

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Active

Active·Listed today·South Hampton

3101 E Banister Road

St. Augustine, FL 32092

$439,000$243/sqftEst. $2,238/moMLS# 2157993

Beds

Baths

1,808

Sq Ft

2005

Built

Garage

Pool

About this home

South Hampton

Home located in highly desirable South Hampton Golf Club with an abundance of amenities. 3/2 well maintained home with no CDD fees. All kitchen appliances and water softener included. New roof and water heater installed in 2023. Separate dining room/fles room, eat in kitchen and breakfast bar. Fireplace in the family room with glass sliding doors to a fenced backyard, ideal for kids or pets.

Cost to own

Mortgage calculator

Home Price

$439,000

Down Payment: 20%

$87,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,238

Principal & Interest: $2,238

Property taxes (est.): $584

Insurance (est.): $293

Estimated Total Monthly

$3,115

*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$2,238

Property taxesest. at asking price, St. Johns County$584

HOAbilled semi-annually$111

Estimated total, before insurance$2,933/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,133/yr · $428/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): $5,133/yr

Estimated taxes if purchased at asking price: ~$7,000/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: ~1,719 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