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 Marsh Creek, St. Augustine — a home near St. Augustine High School.

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Active

Active·1 day on market·Marsh Creek

348 Fiddlers Point Drive

St. Augustine, FL 32080

$1,100,000$457/sqftEst. $5,661/moMLS# 2159754

Beds

Baths

2,408

Sq Ft

2001

Built

Garage

Yes

Pool

About this home

Marsh Creek

Welcome to 348 Fiddlers Point Drive, a beautifully maintained home nestled in the sought-after Villas section of Marsh Creek. This concrete block residence offers a wonderful blend of comfort, privacy, and effortless Florida living, with stunning views of the private pool, tranquil lake, and surrounding nature preserve. The spacious living room features a gas fireplace and built-in cabinetry, while the updated kitchen boasts beautiful quartz countertops and a breakfast nook overlooking the pool and lake. The flooring throughout the home is brand new, providing a fresh, modern feel. The primary suite offers direct access to the screened lanai and pool area, creating the perfect setting for relaxed indoor-outdoor living. As the only golf course community on Anastasia Island, Marsh Creek offers a truly unique coastal lifestyle. The Marsh Creek Country Club provides a variety of membership options to choose from, while membership remains completely optional. Don't miss this opportunity!

Cost to own

Mortgage calculator

Home Price

$1,100,000

Down Payment: 20%

$220,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$5,661

Principal & Interest: $5,661

Property taxes (est.): $1,464

Insurance (est.): $733

Estimated Total Monthly

$7,858

*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$5,661

Property taxesest. at asking price, St. Johns County$1,464

HOAbilled quarterly$227

Estimated total, before insurance$7,351/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,319/yr · $860/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): $10,319/yr

Estimated taxes if purchased at asking price: ~$17,600/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 X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Tile — year not disclosed (home built 2001)

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: ~1,755 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, 2026Listed$1,100,000

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

Features

Price$1,100,000

Price / Sq Ft$457

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,408

Acres0.21 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontYes

Gated CommunityYes

Direction FacesNorthwest

School Information

ElementaryR. B. Hunt

MiddleSebastian

HighSt. Augustine

Community Information

Address348 Fiddlers Point Drive, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionMarsh Creek

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Lot Size9,147.6 sq ft

Lot Dimensions61x151x61x153

Parcel Number1626950140

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Playground, Security, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewLake

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Gas Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryIn Unit

Security24 Hour Security, Gated with Guard