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.

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Active·1 day on market

7900 Hardwood Landing Road

St. Augustine, FL 32092

$979,000$590/sqftEst. $4,992/moMLS# 2158271

Beds

Baths

1,660

Sq Ft

1915

Built

Garage

Pool

About this home

St. Augustine

This incredible property has so much potential! Whether you're considering subdividing, owning an AirBnB, having a multiple income property or just building a family compound, this parcel can do it all! This property is already zoned to be subdivided into 9 individual lots and presents a valuable opportunity for a builder or developer. If you're looking to build a family compound or if running an AirBnB empire is your thing, this parcel has a 3/2 renovated farm house as well as two outbuildings which could be additional ADUs or other income producing properties. The renovated farmhouse is charming from the front porch to the brand new kitchen. With laminate flooring throughout, the rooms flow and offer several configuration options. The kitchens and bathrooms are all brand new and you won't be disappointed to build your future on this unicorn parcel.

Cost to own

Mortgage calculator

Home Price

$979,000

Down Payment: 20%

$195,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,992

Principal & Interest: $4,992

Property taxes (est.): $1,303

Insurance (est.): $653

Estimated Total Monthly

$6,947

*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$4,992

Property taxesest. at asking price, St. Johns County$1,303

Estimated total, before insurance$6,294/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,384/yr · $115/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): $1,384/yr

Estimated taxes if purchased at asking price: ~$15,600/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.

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: Shingle — year not disclosed (home built 1915)

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

Septic system (public record) · Private well (public record)

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: ~1,535 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