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.

1 / 70

Active

Active·1 day on market·South Hampton

2020 E Clovelly Lane

St. Augustine, FL 32092

$975,000$228/sqftEst. $5,018/moMLS# 2158255

Beds

Baths

4,269

Sq Ft

2003

Built

Garage

Yes

Pool

About this home

South Hampton

Showings begin August 12th -- Set on a quiet cul-de-sac in a golf course community, this 6-bedroom, 5-bathroom home offers space to spread out and a backyard built for everyday living. The screened pool features a spa and sun shelf, all overlooking the golf course -- a private setting for morning coffee or evening swims. Inside, the layout gives every bedroom room to breathe, and the 3-car garage adds storage most homes can't match. Located in South Hampton, this home puts golf course living and easy access to St. Augustine within reach.

Cost to own

Mortgage calculator

Home Price

$975,000

Down Payment: 20%

$195,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$5,018

Principal & Interest: $5,018

Property taxes (est.): $1,297

Insurance (est.): $650

Estimated Total Monthly

$6,965

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$5,018

Property taxesest. at asking price, St. Johns County$1,297

HOAbilled annually$111

Estimated total, before insurance$6,426/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.

Outside all hurricane evacuation zones

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

Roof: material not specified — year not disclosed (home built 2003)

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

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,724 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 August 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

Aug 12, 2026Active$975,000
Aug 2, 2026Listed$975,000

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

Features

Price$975,000

Price / Sq Ft$228

Bedrooms6

Bathrooms5.00

Full Baths5

Square Footage4,269

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Salt Water, Screen Enclosure

Is WaterfrontNo

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address2020 E Clovelly Lane, St. Augustine, FL 32092

Area304- 210 South

SubdivisionSouth Hampton

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number0099727090

ZoningSingle Family

Amenities

AmenitiesBasketball Court, Children's Pool, Clubhouse, Fitness Center, Golf Course, Maintenance Structure, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories3

LevelsThree Or More

LaundryIn Unit

Spa FeaturesIn Ground, Heated, Private