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 waterfront home in St. Johns County.

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Active

Active·1 day on market·Marsh Creek

188 Herons Nest Lane

St. Augustine, FL 32080

$1,900,000$495/sqftEst. $9,758/moMLS# 2161101

Beds

Baths

3,842

Sq Ft

1997

Built

Garage

Yes

Pool

About this home

Marsh Creek

Welcome to 188 Herons Nest Lane, a truly special retreat nestled on a peaceful cul-de-sac lot and surrounded by the natural beauty of the marsh and abundant coastal wildlife. This beautifully maintained home offers expansive living spaces filled with natural light and serene views, creating a seamless connection to the peaceful outdoors. Step outside to your private oasis featuring a sparkling pool and inviting hot tub, perfect for relaxing or entertaining while taking in the spectacular surroundings. The marsh provides a stunning backdrop for birdwatching, with frequent sightings of native coastal birds and wildlife right from your own property. A circular driveway creates an inviting arrival, complemented by a brand-new tile roof. This exceptional property offers a rare combination of privacy, comfort, outdoor enjoyment, and Florida's natural beauty. Experience peaceful marsh living with a resort-like feel at 188 Herons Nest Lane.

Cost to own

Mortgage calculator

Home Price

$1,900,000

Down Payment: 20%

$380,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$9,758

Principal & Interest: $9,758

Property taxes (est.): $2,528

Insurance (est.): $1,267

Estimated Total Monthly

$13,553

*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$9,758

Property taxesest. at asking price, St. Johns County$2,528

HOAbilled quarterly$227

Estimated total, before insurance$12,513/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$18,917/yr · $1,576/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): $18,917/yr

Estimated taxes if purchased at asking price: ~$30,300/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.

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 1997)

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

Solar potential: ~1,817 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 20, 2026Listed$1,900,000

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

Features

Price$1,900,000

Price / Sq Ft$495

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage3,842

Acres6.14 acres

Year Built1997

TypeResidential

Sub-TypeSingle Family Residence

StyleSpanish

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced

Is WaterfrontYes

Gated CommunityYes

Direction FacesNorth

School Information

ElementaryR. B. Hunt

MiddleSebastian

HighSt. Augustine

Community Information

Address188 Herons Nest Lane, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionMarsh Creek

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Lot Size267,458.4 sq ft

Parcel Number1725490200

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Management - Full Time, Management - Off Site, Pickleball, Playground, Security, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingCircular Driveway

ViewIntracoastal

Waterfront TypeIntracoastal

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s), Wine Cellar

AppliancesDishwasher, Disposal, Gas Range, Microwave, Refrigerator, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryIn Unit

Window FeaturesSkylight(s)

Security24 Hour Security, Gated with Guard