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This home is in St. Augustine — a pool home in St. Johns County.

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Active·Listed today

309 S Forest Dune Drive

St. Augustine, FL 32080

$2,250,000$502/sqftEst. $11,472/moMLS# 2158674

Beds

Baths

4,480

Sq Ft

2007

Built

Garage

Yes

Pool

About this home

St. Augustine

Old Florida Southern Charm with breathtaking architecture and stunning views awaits you in this quiet and private gated oceanfront community complete with private beach access. This pool home equipped with an elevator greets you with a sweeping staircase leading to the upstairs living quarters including a grand entry foyer opening to spacious gathering room with views of the tree canopy. Refreshed kitchen, island cooktop and stainless range hood, oven tower, formal dining room, casual dining space and primary bedroom as well as another ensuite bedroom. Expansive outdoor porch and deck space abound, perfect for entertaining or relaxing. Private walled pool area is stunning. First floor complete with a generational style kitchenette and large gathering room, large laundry room with extra storage and an abundance of cabinetry, 3 bedrooms, an oversized cooled/dehumidified garage, CBC construction, new roof, A/C, appliances, water heater, softener and new hurricane grade French Doors.

Cost to own

Mortgage calculator

Home Price

$2,250,000

Down Payment: 20%

$450,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$11,472

Principal & Interest: $11,472

Property taxes (est.): $2,994

Insurance (est.): $1,500

Estimated Total Monthly

$15,966

*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$11,472

Property taxesest. at asking price, St. Johns County$2,994

HOAbilled semi-annually$461

Estimated total, before insurance$14,927/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$15,297/yr · $1,275/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): $15,297/yr

Estimated taxes if purchased at asking price: ~$35,900/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2007)

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

Solar potential: ~1,777 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

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 5, 2026Listed$2,250,000

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

Features

Price$2,250,000

Price / Sq Ft$502

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,480

Acres0.26 acres

Year Built2007

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryR. B. Hunt

MiddleSebastian

HighSt. Augustine

Community Information

Address309 S Forest Dune Drive, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionSea Colony

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Lot Size11,325.6 sq ft

Parcel Number1741914130

ZoningResidential

Amenities

AmenitiesPool, Beach Access, Clubhouse

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Electric Vehicle Charging Station(s), Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Eat-in Kitchen, Elevator, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Gas Cooktop, Gas Water Heater, Refrigerator, Water Softener Owned

HeatingCentral, Natural Gas

CoolingCentral Air

FlooringTerrazzo, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryLower Level

SecuritySmoke Detector(s)