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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Villages of Valencia, St. Augustine — a home near Pedro Menendez High School.

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Pending

Pending·45 days on market·Villages of Valencia

35 Bella Drive

St. Augustine, FL 32086

$459,900$272/sqftEst. $2,455/moMLS# 2160357
↓ $19,600 below original list
3
Beds
2
Baths
1,692
Sq Ft
2018
Built
2
Garage
No
Pool

4 more homes for sale in Villages of Valencia →Search Villages of Valencia on the map

FEMA Zone XHOA $91/mo5,663 sqft lotWaterfrontSingle Family Residence1 story

About this home

Villages of Valencia

Updated ranch with all of new appliances and hot water heater as of 2025. Seller has added water softner, water filtration system, exstended screened patio with heated salt water hot tub, plantation shutters throughout. The kitchen features sleek stainless steel appliances and quartz countertops. Home is wired for a whole home emergency generator. The primary bathroom boasts a frameless glass walk-in shower. Much sought after South St. Augustine location is just 8 miles from the beach. Award winning St. John's County Schools and close to shopping.The open and airy floor plan truly make it a home for all seaons!! This is a must see property.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$2,455
Property taxesest. at asking price, St. Johns County$612
HOAbilled quarterly$91
Estimated total, before insurance$3,158/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,344/yr · $195/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$459,900
$91,980
Loan Term
Monthly Payment
$2,455
Principal & Interest: $2,455
Property taxes (est.): $612
Insurance (est.): $307
Estimated Total Monthly
$3,374
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 2018)

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

Solar potential: ~1,811 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,344/yr

Estimated taxes if purchased at asking price: ~$7,300/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.

History

Price & status history

  • Sep 24, 2026Pending$459,900
  • Sep 17, 2026Price change$459,900−$19,600
  • Aug 15, 2026Active$479,500
  • Aug 13, 2026Listed$479,500

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

Features

Price$459,900
Price / Sq Ft$272
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,692
Acres0.13 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusPending
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

Community Information

Address35 Bella Drive, St. Augustine, FL 32086
Area334-Moultrie/St Augustine Shores
SubdivisionVillages of Valencia
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32086
Lot Size5,662.8 sq ft
Parcel Number1818840830
ZoningPUD

Amenities

AmenitiesPool, Maintenance Grounds, Management - Off Site, Playground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s), Other
AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchRear Porch, Screened
RoofShingle
ConstructionFrame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 15, 2026
Days on Market40
HOA Fees$272.5 / Quarterly
HOA FrequencyQuarterly
HOA NameSovereign & Jacobs Property Management
HOA Fee IncludesTrash
Tax Amount$2,344.04
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SELECT GROUP

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Villages of Valencia

Villages of Valencia is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.

View all Villages of Valencia homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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