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Active

Active·7 days on market

122 Terra Pines Boulevard

St. Augustine, FL 32092

$539,990$212/sqftEst. $2,779/moMLS# 2159155

Beds

Baths

2,551

Sq Ft

2023

Built

Garage

Pool

About this home

St. Augustine

MOVE IN READY!! Never Occupied!! NO CDD!!! THIS is your OPPORTUNITY to own in the SOLD OUT Terra Pines community. Never lived-in former builder SANDALWOOD model home sits on LARGE half acre LOT w/ a Nature Preserve View. Single Story CBS. 4BR + FLEX SPACE/3BA/3CG. INCLUDED: 0.51-Acre Premium Sized Homesite valued at $40,000. Optional Interior/Exterior Upgrades Totaling $79,000. Upgraded Exterior Elevation & Backyard Entertaining Area + Full Front Porch. Interior: Gourmet Kitchen w/ Upgraded Cabinetry, Double Ovens, Quartz Countertops, Tiled Backsplash, Tiled Floor throughout the Living Areas, Owner's Suite with a gorgeous Bathroom, Double Vanities, huge Shower + sprawling Walk-in Closet, shared Bath sits between two Bedrooms while the 4th Bedroom has its own adjacent Bathroom. Designer Selected Wall Colors, Additional Lighting, Washer/Dryer is INCLUDED. Covered Rear Patio and LARGE Backyard Paver Patio w/ a Seating Wall and Firepit.

Cost to own

Mortgage calculator

Home Price

$539,990

Down Payment: 20%

$107,998

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,779

Principal & Interest: $2,779

Property taxes (est.): $719

Insurance (est.): $360

Estimated Total Monthly

$3,857

*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$2,779

Property taxesest. at asking price, St. Johns County$719

HOAbilled monthly$65

Estimated total, before insurance$3,562/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,452/yr · $538/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): $6,452/yr

Estimated taxes if purchased at asking price: ~$8,600/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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.

Solar potential: ~1,734 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 7, 2026Listed$539,990

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

Features

Price$539,990

Price / Sq Ft$212

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,551

Acres0.51 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address122 Terra Pines Boulevard, St. Augustine, FL 32092

Area343-Molasses Junction/Elkton

SubdivisionTerra Pines South

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size22,215.6 sq ft

Parcel Number0955720030

Amenities

AmenitiesOther, Maintenance Grounds, Playground, Racquetball

UtilitiesCable Available, Sewer Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer

HeatingElectric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)