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This home is in St. Augustine — a home near St. Augustine High School.

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305 Eleuthera Court

St. Augustine, FL 32095

$480,000$268/sqftEst. $2,468/moMLS# 2160467

Beds

Baths

1,793

Sq Ft

1999

Built

—

Garage

Pool

About this home

St. Augustine

Welcome to 305 Eleuthera Court, a charming 4-bedroom, 2.5-bath home offering 1,793 square feet and beautiful, unobstructed marsh and Intracoastal views. Situated on nearly half an acre at the end of a quiet cul-de-sac, this home features a spacious living area, main-floor primary suite, attached two-car garage and plenty of natural light. Step outside to the screened porch and deck, where you can relax and enjoy the peaceful natural setting. Located in the Eagle Creek community, residents enjoy access to a community pool and playground. Conveniently situated near Palencia's shopping and dining, historic downtown St. Augustine and the area's beautiful beaches, this home offers the perfect blend of comfort, scenery and convenience. Backyard Marsh View: Be sure to explore the backyard during your showing! A pathway leads beyond the backyard to an amazing marsh view, offering a peaceful and scenic backdrop that truly adds to the charm of this property. Don't miss this special feature!

Cost to own

Mortgage calculator

Home Price

$480,000

Down Payment: 20%

$96,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,468

Principal & Interest: $2,468

Property taxes (est.): $639

Insurance (est.): $320

Estimated Total Monthly

$3,426

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,468

Property taxesest. at asking price, St. Johns County$639

HOAbilled quarterly$62

Estimated total, before insurance$3,168/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,584/yr · $382/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): $4,584/yr

Estimated taxes if purchased at asking price: ~$7,700/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 1999)

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: ~1,724 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