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 Markland, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·Listed today·Markland

497 Latrobe Avenue

St. Augustine, FL 32095

$1,099,000$313/sqftEst. $5,667/moMLS# 2159227

Beds

Baths

3,509

Sq Ft

2021

Built

Garage

Yes

Pool

About this home

Markland

Why vacation when you can enjoy a resort lifestyle every day in your own home? This exceptional 3,509-square-foot residence makes a lasting impression from the moment you arrive. Outside, the backyard is the Florida dream. Lined with swaying palm trees, lush tropical landscaping, a stunning resort-style pool, aluminum cabanas with adjustable louvered roofs, a gas fire pit, an oversized screened lanai, & more. A privacy fence, beautifully concealed by a mature viburnum hedge, creates a secluded backyard oasis designed for year-round relaxation and entertaining. This is resort living without ever leaving home. Inside, this customized Providence Homes Alexander floor plan offers the perfect blend of luxury, comfort, & functionality. A first-floor fifth bedroom overlooking the pool, with a full bath just steps away, provides an ideal in-law suite, guest retreat, or secondary master suite. The main level also features a private office with French doors, an elegant formal dining room

Cost to own

Mortgage calculator

Home Price

$1,099,000

Down Payment: 20%

$219,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$5,667

Principal & Interest: $5,667

Property taxes (est.): $1,462

Insurance (est.): $733

Estimated Total Monthly

$7,863

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$5,667

Property taxesest. at asking price, St. Johns County$1,462

HOAbilled annually$10

Estimated total, before insurance$7,140/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,820/yr · $1,152/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): $13,820/yr

Estimated taxes if purchased at asking price: ~$17,500/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 2021)

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

Solar potential: ~1,792 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 8, 2026Listed$1,099,000

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

Features

Price$1,099,000

Price / Sq Ft$313

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,509

Acres0.36 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Fenced, Salt Water

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address497 Latrobe Avenue, St. Augustine, FL 32095

Area307-World Golf Village Area-SE

SubdivisionMarkland

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size15,681.6 sq ft

Parcel Number0270713310

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Gated, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), 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, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

# of Stories2

LevelsTwo

LaundryIn Unit, Upper Level

SecuritySecurity Gate