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 Arbor Mill, St. Augustine — a waterfront home in St. Johns County.

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Active Under Contract

Active Under Contract·8 days on market·Arbor Mill

72 Atlanta Drive

St. Augustine, FL 32092

$750,000$307/sqftEst. $3,876/moMLS# 2158903

Beds

Baths

2,441

Sq Ft

2016

Built

Garage

Yes

Pool

About this home

Arbor Mill

Welcome home to Arbor Mill, where you'll find luxury upgrades and breathtaking views in this pool home! Enjoy water and preserve views overlooking a 14-acre lake from your saltwater pool, featuring gas heat, a waterfall, sun shelf, mosaics, and a jetted bench. The kitchen offers soft-close cabinetry, granite countertops, a farmhouse sink, touch faucet, pot filler, gas stove, and a walk-in pantry. Triple back pocket sliders open to the pavered, screened lanai for indoor-outdoor living. The garage is climate-controlled with its own AC system and includes 14' ceilings, epoxy floors, a 4' extension, storage racks, and service door. The primary suite features a tray ceiling, two walk-in closets, quartz countertops, and a spa-like shower with three shower heads. Tile floors, crown molding, coffered ceilings, speakers, plantation shutters, fully fenced, a gas fireplace, water softener, laundry utility sink, and more make this remarkable home completely turn key. Don't wait, you might miss it!

Cost to own

Mortgage calculator

Home Price

$750,000

Down Payment: 20%

$150,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$3,876

Principal & Interest: $3,876

Property taxes (est.): $998

Insurance (est.): $500

Estimated Total Monthly

$5,374

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$3,876

Property taxesest. at asking price, St. Johns County$998

HOAbilled annually$64

Estimated total, before insurance$4,938/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,621/yr · $385/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): $4,621/yr

Estimated taxes if purchased at asking price: ~$12,000/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2016)

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

Solar potential: ~1,769 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 September 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

Price & status history

Sep 2, 2026Active Under Contract$750,000
Sep 1, 2026Active$750,000
Aug 6, 2026Listed$750,000

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

Features

Price$750,000

Price / Sq Ft$307

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,441

Acres0.20 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Heated, Salt Water, Screen Enclosure, Waterfall

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address72 Atlanta Drive, St. Augustine, FL 32092

Area303-Palmo/Six Mile Area

SubdivisionArbor Mill

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,712 sq ft

Parcel Number0271410130

ZoningSingle Family

Amenities

AmenitiesPool, Playground, RV/Boat Storage, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewLake

Waterfront TypeLake Front

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric, Split System, Wall/Window Unit(s), Zoned

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Sink, Washer Hookup

SecuritySmoke Detector(s)