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 Marsh Creek, St. Augustine — a pool home in St. Johns County.

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Active Under Contract

Active Under Contract·2 days on market·Marsh Creek

365 Marsh Point Circle

St. Augustine, FL 32080

$1,150,000$363/sqftEst. $5,912/moMLS# 2162381

Beds

Baths

3,164

Sq Ft

1995

Built

Garage

Yes

Pool

About this home

Marsh Creek

Where timeless elegance meets the demands of today's buyer! This beautifully maintained home offers an amazing pool and a picturesque view across the lake to the fourth green. Interior highlights include wood floors, custom cabinetry, a spacious pantry, abundant closet space, and an updated kitchen and primary bath. All bedrooms are conveniently located on the first floor, with the exception of a versatile bonus room above the garage featuring its own powder room--ideal for an office, media room, guest retreat or hobby space. Outdoors, enjoy the pool, expansive paver patio, paver driveway and beautifully manicured yard, all framed by serene lake and golf course views. A wonderful combination of classic style, thoughtful updates, flexible living space and an exceptional Marsh Creek setting.

Cost to own

Mortgage calculator

Home Price

$1,150,000

Down Payment: 20%

$230,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,912

Principal & Interest: $5,912

Property taxes (est.): $1,530

Insurance (est.): $767

Estimated Total Monthly

$8,209

*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$5,912

Property taxesest. at asking price, St. Johns County$1,530

HOAbilled quarterly$227

Estimated total, before insurance$7,669/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,771/yr · $481/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): $5,771/yr

Estimated taxes if purchased at asking price: ~$18,400/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1995)

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: ~1,786 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 28, 2026Active Under Contract$1,150,000
Aug 28, 2026Listed$1,150,000

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

Features

Price$1,150,000

Price / Sq Ft$363

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,164

Total Structure Area3,164 sq ft

Acres0.30 acres

Year Built1995

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesAbove Ground, In Ground, Heated, Screen Enclosure

Is WaterfrontNo

Gated CommunityYes

Direction FacesEast

School Information

ElementaryR. B. Hunt

MiddleSebastian

HighSt. Augustine

Community Information

Address365 Marsh Point Circle, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionMarsh Creek

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Lot Size13,068 sq ft

Parcel Number1725451350

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Maintenance Grounds, Management - Off Site, Park, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewLake, Pool

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Double Oven, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringStone, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

Security24 Hour Security, Gated with Guard, Security Gate