This home is in St. Augustine.
Active·Listed today
405 Mackenzie Circle
St. Augustine, FL 32092
About this home
St. Augustine
Welcome to 405 Mackenzie Circle, a beautifully updated pond-view home in The Meadows at World Golf Village in St. Augustine, Florida. This single-story residence offers 3 bedrooms, 2 full bathrooms, 1,425 square feet of living space, and an attached two-car garage. Step inside to an inviting layout with vaulted ceilings, luxury vinyl plank flooring, upgraded baseboards, and a warm wood-burning fireplace framed by a stylish wood accent wall and mantel. The formal dining area provides a comfortable setting for meals and gatherings, while the eat-in kitchen features granite countertops, painted cabinetry, a pantry, and custom drawer organizers with soft-close details. The split-bedroom floor plan adds privacy throughout the home. The primary suite includes a walk-in closet and a spacious bathroom with a separate shower and soaking tub. Built-in closet shelving provides added organization in the bedrooms
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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): $3,922/yr
Estimated taxes if purchased at asking price: ~$5,800/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 — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone F
Zone F evacuates after zones A, B, C, D, E in an approaching storm.
Roof: material not specified — year not disclosed (home built 2003)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,800 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 homeAs 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 26, 2026Listed$365,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: INTEGRITY KEY REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines