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This home is in St. Augustine.

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Active·4 days on market

243 Mustard Hill Court

St. Augustine, FL 32086

$289,500$230/sqftEst. $1,493/moMLS# 2158459

Beds

Baths

1,259

Sq Ft

2022

Built

Garage

Pool

About this home

St. Augustine

Beautifully updated ''like-new'' 2BR/2.5BA townhome featuring two spacious primary suites, each with a private bath--ideal for guests, roommates, or flexible living. One suite offers a beautifully renovated walk-in shower, while the kitchen boasts upgraded soft-close cabinetry and modern finishes. Enjoy your own private oasis on the enhanced patio overlooking a peaceful tree line with no rear neighbors. Located on a private cul-de-sac with a playground in the sought-after Orchard Park community. You're just a short walk to Treaty Park with walking trails, tennis and pickleball courts, playgrounds, sports fields, and year-round community events. Families will appreciate the highly rated St. Johns County schools, while everyone will love the easy access to shopping, dining, historic downtown St. Augustine, and the beaches. Move-in ready and full of charm! Interactive floor plana available.

Cost to own

Mortgage calculator

Home Price

$289,500

Down Payment: 20%

$57,900

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,493

Principal & Interest: $1,493

Property taxes (est.): $385

Insurance (est.): $193

Estimated Total Monthly

$2,071

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,493

Property taxesest. at asking price, St. Johns County$385

HOAbilled monthly$150

Estimated total, before insurance$2,028/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,483/yr · $207/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): $2,483/yr

Estimated taxes if purchased at asking price: ~$4,600/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 2022)

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

Solar potential: ~1,107 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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