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 South, St. Augustine — a new construction home in St. Johns County.

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Active

Active·1 day on market·St Augustine South

108 Aspen Road

St. Augustine, FL 32086

$449,000$337/sqftEst. $2,289/moMLS# 2158397

Beds

Baths

1,334

Sq Ft

2026

Built

Garage

Pool

About this home

St Augustine South

Brand New Construction! This 3-bedroom, 2-bathroom home offers 1,334 sq ft of living space. This home is bright, clean, and full of natural light! Step inside to an open-concept layout where the kitchen, dining, and living areas flow seamlessly together, ideal for both everyday living and entertaining. Large sliding doors extend your living space to the covered outdoor patio, creating the perfect spot to relax and enjoy the fresh air. Highlights include luxury vinyl plank flooring in the main living areas, a spacious 2-car garage, and a modern kitchen with white shaker cabinets and quartz countertops. The private primary suite offers a walk-in closet and en-suite bath, while a covered patio provides space for year-round outdoor living. This home is thoughtfully designed for today's lifestyle offering a fresh, functional floor plan with modern finishes and spaces that fit the way you live!

Cost to own

Mortgage calculator

Home Price

$449,000

Down Payment: 20%

$89,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,289

Principal & Interest: $2,289

Property taxes (est.): $598

Insurance (est.): $299

Estimated Total Monthly

$3,186

*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$2,289

Property taxesest. at asking price, St. Johns County$597

Estimated total, before insurance$2,887/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$133,800	$133,800	—
2024	$133,800	$133,800	—
2023	$133,800	$75,220	—
2022	$89,600	$68,382	—
2021	$72,500	$62,165	—
2020	$62,200	$56,514	—

Estimated taxes if purchased at asking price: ~$7,200/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 (2025), 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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

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

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

Solar potential: ~1,716 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