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Active

Active·4 days on market

846 Lightsey Crossing Lane

St. Augustine, FL 32084

$465,000$224/sqftEst. $2,391/moMLS# 2162362

Beds

Baths

2,075

Sq Ft

2024

Built

Garage

Pool

About this home

St. Augustine

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

Cost to own

Mortgage calculator

Home Price

$465,000

Down Payment: 20%

$93,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,391

Principal & Interest: $2,391

Property taxes (est.): $619

Insurance (est.): $310

Estimated Total Monthly

$3,319

*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$2,391

Property taxesest. at asking price, St. Johns County$619

HOAbilled quarterly$90

Estimated total, before insurance$3,099/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.

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.

History

Price & status history

Aug 28, 2026Listed$465,000

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

Features

Price$465,000

Price / Sq Ft$224

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,075

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

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 Market2

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 by realMLS (Northeast Florida MLS).

Keep looking

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