This home is in Beacon Lake, St. Augustine — a waterfront home in St. Johns County.
Active·45 days on market·Beacon Lake
242 Stargaze Lane
St. Augustine, FL 32095
23 more homes for sale in Beacon Lake →Search Beacon Lake on the map
About this home
Beacon Lake
Welcome to this stunning 3-bedroom, 2.5-bath coastal-inspired home in sought-after Beacon Lake, St. Johns County! Featuring beautiful curb appeal, upgraded finishes, a gourmet kitchen, and a spacious open-concept design, this light-filled home is perfect for everyday living and effortless entertaining. Best of all, enjoy a spectacular waterfront setting overlooking an expansive 40-acre lake, with breathtaking sunsets that provide an incredible backdrop from your own backyard. The home also backs up to a peaceful preserve area, creating a unique combination of expansive views, privacy, and tranquility. Upstairs, a versatile loft/flex space is ideal for a home office, media room, or additional gathering area. Step outside to relax, entertain, or simply take in the peaceful waterfront setting with a front-row seat to some of the most beautiful sunsets North Florida has to offer.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2023)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $7,345/yr
Estimated taxes if purchased at asking price: ~$8,800/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.
History
Price & status history
- Aug 13, 2026Active$549,000
- Aug 4, 2026Listed$549,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Beacon Lake
Beacon Lake is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.
View all Beacon Lake homes for sale →Keep looking
More homes in Beacon Lake
Under Contract200 Starnberg CourtSt. Augustine, FL 32095
4 bd · 3 ba · 2,495 sq ft
$535,000Est. $2,847/moWelcome to this beautifully maintained 4 bedroom, 3 bathroom home situated on a peaceful preserve lot in the sought…
Listing Office: keller williams realty atlantic partners
For Sale47 Starnberg CourtSt. Augustine, FL 32095
3 bd · 2.5 ba · 2,322 sq ft
$530,000Est. $2,821/moGorgeous 3-bed, 2.5-bath home ideally positioned on a premium preserve lot in Beacon Lake, offering serene preserve…
Listing Office: real broker llc
For Sale160 Whirlwind PlaceSt. Augustine, FL 32095
4 bd · 2.5 ba · 2,098 sq ft
$514,900Est. $2,741/moSELLER OFFERING $10,000 CREDIT TOWARDS CLOSING COST OR RATE BUY DOWN WITH AN ACCEPTABLE OFFER!! Welcome to an…
Listing Office: real broker llc
Under Contract100 Leclerc CourtSt. Augustine, FL 32095
4 bd · 2 ba · 1,963 sq ft
$512,000Est. $2,725/moWelcome to this beautifully upgraded home located in the highly sought-after community of Beacon Lake in St. Johns…
Listing Office: castillo real estate jax
Keep looking
Similar homes in St. Augustine
Explore the area
More in Beacon Lake
Beacon Lake guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines