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.

1 / 51

Pending

Pending·8 days on market

86 Little Owl Lane

St. Augustine, FL 32086

$395,000$220/sqftEst. $2,033/moMLS# 2158933

Beds

Baths

1,797

Sq Ft

2016

Built

Garage

Pool

About this home

St. Augustine

This beautiful, single-story home built in 2016 is in the Deerfield Preserve community in St. Augustine, sitting on a .19-acre lot, with a fully fenced yard. This 3-bedroom, 2-bathroom home offers an open-concept layout with vaulted ceilings. The kitchen features granite countertops, a tile backsplash, a gas range, stainless steel appliances, a pantry, and a large center island with bar seating beneath statement pendant lighting. A dedicated office/flex room sits off the main living space, along with a separate laundry room. The primary suite includes a spacious walk-in closet, dual-sink vanity, a soaking tub, and a walk-in glass-enclosed shower. Four ceiling fans keep the home comfortable throughout. Outside, a covered patio overlooks a fully fenced backyard with a storage shed, ideal for pets or extra storage. A 2-car garage with three remote controls, gas water heater, 6-inch gutters added in 2022, and a roof replaced in December 2022 add to the home's move-in ready condition.

Cost to own

Mortgage calculator

Home Price

$395,000

Down Payment: 20%

$79,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,033

Principal & Interest: $2,033

Property taxes (est.): $526

Insurance (est.): $263

Estimated Total Monthly

$2,822

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,033

Property taxesest. at asking price, St. Johns County$526

HOAbilled quarterly$83

Estimated total, before insurance$2,642/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,394/yr · $366/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): $4,394/yr

Estimated taxes if purchased at asking price: ~$6,300/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 2016)

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

Solar potential: ~1,793 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

Price & status history

Aug 12, 2026Pending$395,000
Aug 6, 2026Listed$395,000

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

Features

Price$395,000

Price / Sq Ft$220

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,797

Acres0.19 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address86 Little Owl Lane, St. Augustine, FL 32086

Area337-Old Moultrie Rd/Wildwood

SubdivisionDeerfield Preserve

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Lot Size8,276.4 sq ft

Parcel Number1027810950

Amenities

AmenitiesPool, Basketball Court, Playground

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Gas Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne