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 — a waterfront home in St. Johns County.

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Active·4 days on market

3650 Joe Ashton Road

St. Augustine, FL 32092

$500,000Est. $2,568/moMLS# 2159849

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Garage

Pool

About this home

St. Augustine

A rare opportunity to own 51.94 acres in St Augustine, FL, featuring 5+/- acres of roadside uplands ready for your dream home, plus mature tree canopy and marshland forming a private wildlife sanctuary. Wetlands delineation map was completed in 2024. Zoned residential and agricultural for flexible use: custom home site, agricultural pursuits, recreational retreat, conservation, or long-term investment. Electric pole, cable, and an existing well already in place. Minutes from SR-13 and I-95, with easy access to Jacksonville and historic St Augustine, in St Johns County's top-rated school district. Ideal for homebuilders, land investors, and buyers seeking privacy and acreage close to the coast. The property borders Six Mile Creek, a navigable tributary that flows directly into the St Johns River, offering rare deep-water access. Just down the road, the rebuilt Outback Crabshack has reopened on Six Mile Creek with an expanded dock accommodating up to 100 boats reestablishing the area

Cost to own

Mortgage calculator

Home Price

$500,000

Down Payment: 20%

$100,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,568

Principal & Interest: $2,568

Property taxes (est.): $665

Insurance (est.): $333

Estimated Total Monthly

$3,567

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,568

Property taxesest. at asking price, St. Johns County$665

Estimated total, before insurance$3,233/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,643/yr · $470/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): $5,643/yr

Estimated taxes if purchased at asking price: ~$8,000/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: material not specified

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

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