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

909 Spring Lake Court

St. Augustine, FL 32080

$825,000$320/sqftEst. $4,237/moMLS# 2161131

Beds

Baths

2,575

Sq Ft

2000

Built

Garage

Pool

About this home

Marsh Creek

Welcome to 909 Spring Lake Court, a beautifully maintained home located on a quiet cul-de-sac in the highly desirable gated community of Marsh Creek. Offering a spacious and functional floor plan, this home features bright living spaces, a well-appointed kitchen, and a private primary suite designed for comfortable everyday living. Enjoy a peaceful backyard setting perfect for relaxing or entertaining. Ideally situated just minutes from St. Augustine Beach, historic downtown, shopping, dining, and top-rated schools. Marsh Creek offers a gated lifestyle with optional memberships available for golf, tennis, pickleball, fitness, and social amenities. Don't miss this opportunity to enjoy coastal living in one of St. Augustine's premier communities.

Cost to own

Mortgage calculator

Home Price

$825,000

Down Payment: 20%

$165,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,237

Principal & Interest: $4,237

Property taxes (est.): $1,098

Insurance (est.): $550

Estimated Total Monthly

$5,885

*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$4,237

Property taxesest. at asking price, St. Johns County$1,098

HOAbilled quarterly$227

Estimated total, before insurance$5,561/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.

Storms & insurance

Florida Reality Check

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

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2000)

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

Solar potential: ~1,726 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

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$825,000

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

Features

Price$825,000

Price / Sq Ft$320

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,575

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StylePatio Home

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

Community Information

Address909 Spring Lake Court, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionMarsh Creek

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Parcel Number1626940030

Amenities

AmenitiesManagement - Full Time, Park, Playground, Security

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached

ViewWater

Waterfront TypeLake Front

Interior

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Electric Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric

FireplaceYes

# of Fireplaces1

# of Stories2

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)