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This home is in Morgans Cove, St. Augustine.

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Active·Listed today·Morgans Cove

611 Morgans Treasure Road

St. Augustine, FL 32084

$439,900$176/sqftEst. $2,262/moMLS# 2162233

Beds

Baths

2,503

Sq Ft

2022

Built

Garage

Pool

About this home

Morgans Cove

If space is what you're looking for, this home delivers! Offering more than 2,500 square feet, this spacious 5-bedroom, 3-bath home features a flexible floor plan with plenty of room to spread out. Recent updates include new LVP flooring throughout the first floor and brand new carpet upstairs. The open concept main living area is filled with natural light which flows into a spacious kitchen featuring a large prep island, abundant cabinetry and counter space, and pantry. Upstairs, the oversized primary suite offers a double vanity and expansive walk-in closet, while a secondary living/bonus room provides additional space for a home office, playroom, or media area. Outside, enjoy a spacious backyard with a wooded backdrop and plenty of room to make it your own. Conveniently located near I-95 for easy commuting and just 15 minutes from historic downtown St. Augustine. This home offers the space you need with convenient access to everything the area has to offer.

Cost to own

Mortgage calculator

Home Price

$439,900

Down Payment: 20%

$87,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,262

Principal & Interest: $2,262

Property taxes (est.): $585

Insurance (est.): $293

Estimated Total Monthly

$3,140

*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$2,262

Property taxesest. at asking price, St. Johns County$585

HOAbilled annually$31

Estimated total, before insurance$2,878/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,525/yr · $460/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): $5,525/yr

Estimated taxes if purchased at asking price: ~$7,000/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 2022)

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

Solar potential: ~1,695 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