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 Markland, St. Augustine — a gated community home in St. Johns County.

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Active

Active·Listed today·Markland

514 Latrobe Avenue

St. Augustine, FL 32095

$899,000$320/sqftEst. $4,617/moMLS# 2161851

Beds

Baths

2,807

Sq Ft

2021

Built

Garage

Pool

About this home

Markland

Built in 2021 and exceptionally maintained, this exquisite residence offers the rare combination of newer construction, custom-home quality, and true move-in readiness within the gates of Markland. Located in Wolfe Pointe among a collection of distinctive Arthur Rutenberg Homes, this thoughtfully modified AR Homes Aruba floorplan delivers sophisticated single-level living, beautiful lake-to-preserve views, and a level of craftsmanship and finish that stands apart. Inside, the home feels bright, open, and beautifully connected. Expansive living spaces flow effortlessly toward the outdoors through stacking glass doors, including a dramatic 90-degree corner slider that opens the casual dining area to the extended screened lanai. The result is a home designed equally well for everyday living and entertaining. At its heart is a spectacular gourmet kitchen featuring custom cabinetry with illuminated display uppers, quartz countertops, a generous island, 36-inch natural gas cooktop, wall

Cost to own

Mortgage calculator

Home Price

$899,000

Down Payment: 20%

$179,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,617

Principal & Interest: $4,617

Property taxes (est.): $1,196

Insurance (est.): $599

Estimated Total Monthly

$6,413

*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$4,617

Property taxesest. at asking price, St. Johns County$1,196

HOAbilled annually$10

Estimated total, before insurance$5,824/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,320/yr · $943/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	$743,104	$429,752	—
2024	$605,120	$416,933	—
2023	$570,778	$403,333	—
2022	$512,767	$382,314	—
2021	$125,000	$125,000	—
2020	$120,000	$120,000	—

2025 property taxes (current owner): $11,320/yr

Estimated taxes if purchased at asking price: ~$14,400/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.

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 2021)

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

Solar potential: ~1,776 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 26, 2026Listed$899,000

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

Features

Price$899,000

Price / Sq Ft$320

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,807

Acres0.29 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

Community Information

Address514 Latrobe Avenue, St. Augustine, FL 32095

Area307-World Golf Village Area-SE

SubdivisionMarkland

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size12,632.4 sq ft

Parcel Number0270713370

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Gated, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewLake, Pond

Waterfront TypeLake Front, Pond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Microwave, Tankless Water Heater, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne