This home is in St. Augustine.
Active·7 days on market
124 Marsh Island Circle
St. Augustine, FL 32095
About this home
St. Augustine
Don't miss this well-maintained 3-bedroom, 2-bath concrete block home located on a quiet street with convenient access to St. Augustine's Historic District and Jacksonville. The spacious floor plan offers comfortable living and is well suited for both everyday living and entertaining. Recent improvements include a roof less than 9 years old, a brand-new HVAC system, and brand-new Andersen windows that the seller states have significantly reduced electric costs. The inviting living room features a wood-burning fireplace, creating a warm gathering space during the cooler months. Outside, the low-maintenance lot allows more time to enjoy the home and surrounding area. Residents also benefit from low HOA fees, which include access to a community pool and playground. This move-in-ready home combines durable concrete block construction, valuable system updates, and a convenient location in one attractive package.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,137/yr
Estimated taxes if purchased at asking price: ~$5,700/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.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1998)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts
County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,731 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 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.
History
Price & status history
- Aug 7, 2026Listed$359,000
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: TOP AGENT REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Eagle Creek
Active$295,000MLS# 2142784Est. $1,570/mo228 River Island Circle, St. Augustine, FL 320952 Beds2 Baths1,020 sqftWelcome to this beautifully maintained 2-bedroom, 2-bath single-family home offering comfort, style, and convenience in…
ResidentialBEACH STATE REALTY
Active$595,000MLS# 2125837Est. $3,167/mo305 Island Landing Drive, St. Augustine, FL 320953 Beds2 Baths1,406 sqftWATERFRONT. Exclusive access to the Atlantic Intracoastal Waterway via Casa Cola Creek. Includes 500+ ft. walkway to…
ResidentialPONTE VEDRA COASTAL REALTY, INC.
For Rent$2,600/moMLS# 2157909436 Mango Circle, St. Augustine, FL 320953 Beds2 Baths1,354 sqftWelcome to 436 Mango Circle, where comfort, convenience, and Florida living come together! This beautifully maintained…
Residential Lease904 REALTY LLC
Keep looking
Similar homes in St. Augustine
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