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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Marshall Creek Dri, St. Augustine — a pool home in St. Johns County.

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Pending

Pending·41 days on market·Marshall Creek Dri

184 Oak Common Avenue

St. Augustine, FL 32095

$455,000$182/sqftEst. $2,500/mo mortgageMLS# 2162240
4
Beds
3
Baths
2,495
Sq Ft
2003
Built
3
Garage
Yes
Pool

4 more homes for sale in Marshall Creek Dri →Search Marshall Creek Dri on the map

FEMA Zone XHOA $10/mo9,583 sqft lotSingle Family Residence1 story

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Marshall Creek Dri

**HIGHEST AND BEST OFFERS ARE DUE BY 5PM ON 09/18/2026**All that's missing is YOU! Bright and spacious this 4 bedroom, 3 full bath home features plenty of storage with a 3 car garage, a kitchen with stainless steel appliances and an entertainers backyard with a stone patio, inground pool and hot tub. Property is being sold ''As-Is'' with the right to inspect. Seller will make no repairs. Seller will not pay for or provide survey. This property may qualify for Seller Financing (Vendee). If property was built prior to 1978, Lead Based Paint Potentially exists. Please see attachments for offer instructions.

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$2,500
Property taxesest. at asking price, St. Johns County$605
HOAbilled annually$10
Estimated total, before insurance$3,116/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,305/yr · $942/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$455,000
$91,000
Loan Term
Monthly Payment
$2,500
Principal & Interest: $2,500
Property taxes (est.): $605
Insurance (est.): $303
Estimated Total Monthly
$3,409
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

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 D

Zone D evacuates after zones A, B, C 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.

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,788 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $11,305/yr

Estimated taxes if purchased at asking price: ~$7,300/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.

History

Price & status history

  • Oct 5, 2026Pending$455,000
  • Sep 14, 2026Active$455,000
  • Sep 9, 2026Pending$455,000
  • Aug 27, 2026Listed$455,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $275/sq ft; this home is listed at $182/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
720 Toria Lane, St. Augustine, FL 32095Listed by LPT REALTY LLCOct 2026$650,000$2534/32,567400.2
828 Riley Lane, St. Augustine, FL 32095Listed by INTERNATIONAL GOLF REALTYSep 2026$778,000$2525/33,083350.3
836 Cypress Crossing Trail, St. Augustine, FL 32095Listed by LPT REALTY LLCAug 2026$645,000$2753/2.52,343250.3
266 Sophia Terrace, St. Augustine, FL 32095Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$1,090,000$3654/32,9831200.4
179 Front Door Lane, St. Augustine, FL 32095Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$525,000$2634/22,000390.4
149 Abbotts Way, St. Augustine, FL 32095Listed by EXP REALTY LLCSep 2026$810,000$2894/32,80350.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$455,000
Price / Sq Ft$182
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,495
Acres0.22 acres
Year Built2003
TypeResidential
Sub-TypeSingle Family Residence
StatusPending
# of Garages3
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

School Information

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address184 Oak Common Avenue, St. Augustine, FL 32095
Area312-Palencia Area
SubdivisionMarshall Creek Dri
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Lot Size9,583.2 sq ft
Parcel Number0720720700

Amenities

UtilitiesElectricity Available, Sewer Available, Water Available
Water SourcePublic
ParkingGarage

Interior

AppliancesElectric Range, Refrigerator
HeatingElectric
CoolingCentral Air
# of Stories1
LevelsOne
Spa FeaturesIn Ground

Additional Information

Date ListedSeptember 14, 2026
Days on Market41
HOA Fees$125 / Annually
HOA FrequencyAnnually
Tax Amount$11,305.45
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ALFA REALTORS CORP

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Marshall Creek Dri

Marshall Creek Dri is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.

View all Marshall Creek Dri homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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