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This home is in Arbors at Lightsey Crossing, St. Augustine.

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Active·56 days on market·Arbors at Lightsey Crossing

846 Lightsey Crossing Lane

St. Augustine, FL 32084

$459,900$222/sqftEst. $2,527/mo mortgageMLS# 2162362
↓ $5,100 below original list
4
Beds
3
Baths
2,075
Sq Ft
2024
Built
2
Garage
No
Pool

2 more homes for sale in Arbors at Lightsey Crossing →Search Arbors at Lightsey Crossing on the map

FEMA Zone XHOA $90/moSingle Family Residence1 story

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About this home

Arbors at Lightsey Crossing

PRIVACY, SPACE & MODERN COMFORT! This beautifully maintained 2024-built home sits on an oversized, fully fenced homesite backing to a private preserve, offering a rare sense of breathing room and privacy that's hard to find in newer communities. Inside, the light-filled open floor plan creates an easy flow between the spacious living room, dining area, and kitchen, making everyday living and entertaining effortless. The kitchen features a large center island, pantry, abundant cabinetry, and modern appliances. The spacious 4-bedroom, 3-full-bath layout offers plenty of room for everyone, including one secondary bedroom with its own private ensuite bath - ideal for guests or added privacy. The primary suite provides a peaceful retreat, while the additional bedrooms offer versatility for family, guests, an office, or hobbies. Large windows fill the home with natural light, creating a bright and welcoming atmosphere throughout. Enjoy peaceful preserve views

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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$2,527
Property taxesest. at asking price, St. Johns County$612
HOAbilled quarterly$90
Estimated total, before insurance$3,229/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$459,900
$91,980
Loan Term
Monthly Payment
$2,527
Principal & Interest: $2,527
Property taxes (est.): $612
Insurance (est.): $307
Estimated Total Monthly
$3,446
*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.

Outside all hurricane evacuation zones

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

Roof: Shingle — year not disclosed (home built 2024)

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

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.

History

Price & status history

  • Sep 25, 2026Price change$459,900−$5,100
  • Aug 28, 2026Listed$465,000

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 $207/sq ft; this home is listed at $222/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
599 Lightsey Xing Lane, St. Augustine, FL 32084Listed by ENDLESS SUMMER REALTYJul 2026$410,000$2204/31,866880.2
943 Orellana Road, St. Augustine, FL 32084Listed by EXP REALTY LLCSep 2026$410,000$1914/22,1441060.6
2900 Gray Jay Drive, St. Augustine, FL 32084Listed by ALSOP PROPERTIES INCJul 2026$250,000$1453/21,7302600.7
237 Encanto Way, St. Augustine, FL 32084Listed by WATSON REALTY CORPOct 2026$355,000$1914/21,856230.9
80 Logrono Court, St. Augustine Beach, FL 32084Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$340,000$2073/21,641400.9
231 Encanto Way, St. Augustine, FL 32084Listed by MAXREV, LLCJul 2026$335,000$2254/21,488380.9

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$459,900
Price / Sq Ft$222
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,075
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address846 Lightsey Crossing Lane, St. Augustine, FL 32084
Area337-Old Moultrie Rd/Wildwood
SubdivisionArbors At Lightsey Crossing
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Parcel Number1008510690

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchCovered, Patio
FencingBack Yard
RoofShingle
ConstructionComposition Siding, Frame

Additional Information

Date ListedAugust 28, 2026
Days on Market37
HOA Fees$270 / Quarterly
HOA FrequencyQuarterly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE

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 Arbors at Lightsey Crossing

Arbors at Lightsey Crossing is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all Arbors at Lightsey Crossing 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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