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 Creekside, St. Augustine — a home near Beachside High School.

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Active

Active·Listed today·Creekside

109 Broomsedge Circle

St. Augustine, FL 32095

$675,000$228/sqftEst. $3,470/moMLS# 2162231

Beds

Baths

2,955

Sq Ft

2019

Built

Garage

Pool

About this home

Creekside

Beautifully appointed and thoughtfully designed, 109 Broomsedge Circle is a home that truly lives as beautifully as it looks. Set against a lush preserve with a peaceful, park-like view directly across from the front door, this exceptional two-story residence, PRIMARY SUITE DOWNSTAIRS, offers a flexible floor plan, elevated finishes and incredible indoor-outdoor living. From the moment you enter, the attention to detail is evident. The main level offers wood-look tile flooring throughout - a private primary suite, a dedicated office or formal dining room, a powder room and an inviting open-concept living space designed for both everyday life and entertaining. The chef-inspired kitchen is the heart of the home, featuring a generous center island, gas cooktop and soft-close cabinetry and drawers.

Cost to own

Mortgage calculator

Home Price

$675,000

Down Payment: 20%

$135,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,470

Principal & Interest: $3,470

Property taxes (est.): $898

Insurance (est.): $450

Estimated Total Monthly

$4,818

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,470

Property taxesest. at asking price, St. Johns County$898

HOAbilled quarterly$102

Estimated total, before insurance$4,470/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,355/yr · $530/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): $6,355/yr

Estimated taxes if purchased at asking price: ~$10,800/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,696 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 27, 2026Listed$675,000

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

Features

Price$675,000

Price / Sq Ft$228

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,955

Total Structure Area4,131 sq ft

Acres0.17 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address109 Broomsedge Circle, St. Augustine, FL 32095

Area304- 210 South

SubdivisionCreekside

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size7,405.2 sq ft

Parcel Number0237131830

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Maintenance Grounds, Playground

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryLower Level

SecuritySecurity System Owned, Smoke Detector(s)