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This home is in St. Augustine — an oceanfront home in Northeast Florida.

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Active

Active·1 day on market

124 Penny Brooke Lane

St. Augustine, FL 32092

$399,000$213/sqftEst. $2,049/moMLS# 2160865

Beds

Baths

1,872

Sq Ft

1996

Built

—

Garage

Pool

About this home

St. Augustine

**ARV 600k+**PRIVATE RIVER CABIN**DEEP WATER ACCESS** Uncover a waterfront gem with this private river cabin retreat, ready for your finishing touches! With an ARV of $600k+, this incredible property is built for instant equity and long-term value. A one of a kind property that boasts the true outdoor Florida lifestyle, it features DEEP WATER ACCESS surrounded by PROTECTED PRESERVE with direct access to the St. Johns River. Perfect for all water enthusiasts, the boat dock is 20ft deep and used to house a 45 ft troller. Enjoy a wrap around porch, plus an extra screened porch with electric, an OUTDOOR KITCHEN, and a bar. Inside, a bright open floor plan with 3 beds/2 baths highlights gorgeous vaulted ceilings, a BONUS ROOM, indoor laundry and an expansive kitchen with a gas stove and breakfast bar. The spacious primary bedroom features 2 large closets and private access to the screened porch overlooking the canal. Outside boasts a HUGE FRONT YARD and a massive wo

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,049

Principal & Interest: $2,049

Property taxes (est.): $531

Insurance (est.): $266

Estimated Total Monthly

$2,846

*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$2,049

Property taxesest. at asking price, St. Johns County$531

Estimated total, before insurance$2,580/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,306/yr · $109/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

Year	Market value	Taxable value	Change
2025	$458,004	$60,156	—
2024	$450,536	$57,753	—
2023	$404,998	$54,615	—
2022	$319,315	$51,568	▼ $23,184
2021	$186,032	$48,610	—
2020	$187,274	$47,249	—

2025 property taxes (current owner): $1,306/yr

Estimated taxes if purchased at asking price: ~$6,400/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 (2025), 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: Other — year not disclosed (home built 1996)

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).

Solar potential: ~1,477 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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 20, 2026Active$399,000
Aug 19, 2026Listed$399,000

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

Features

Price$399,000

Price / Sq Ft$213

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,872

Acres0.51 acres

Year Built1996

TypeResidential

Sub-TypeManufactured Home

Property ConditionFixer

StatusActive

# of Carport Spaces2

Has PoolNo

Is WaterfrontYes

Direction FacesNortheast

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address124 Penny Brooke Lane, St. Augustine, FL 32092

Area303-Palmo/Six Mile Area

SubdivisionPalmo

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size22,215.6 sq ft

Parcel Number0110600160

ZoningResidential

Amenities

UtilitiesCable Not Available, Electricity Available, Natural Gas Available, Sewer Available, Water Available

SewerSeptic Tank

Water SourcePrivate

ParkingAdditional Parking, Carport, Detached, Off Street

ViewCanal, Protected Preserve, River, Trees/Woods

Waterfront TypeCanal Front, Navigable Water, Ocean Front, River Access

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Water Heater, Gas Range, Microwave, Refrigerator

CoolingWall/Window Unit(s)

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup