This home is in St. Augustine.
Pending·6 days on market
3640 Fort Peyton Circle
St. Augustine, FL 32086
About this home
St. Augustine
Back on the market after the buyer's financing fell through. Their loss, your opportunity. Every major surface in this house is new. New flooring runs wall to wall. Fresh paint inside and out. The kitchen has all-new soft-close cabinetry, warm butcher block countertops, and a full suite of new appliances. Both bathrooms have been completely renovated with modern finishes that carry the same clean look through the rest of the house. There's no punch list here. The work is done. At 1,381 square feet, the layout is bright and efficient. It's open where it should be, private where it counts, and not a square foot is wasted on hallways you'll never use. It lives larger than the number suggests. Outside, you have 0.35 acres in Fort Peyton Forest, an established neighborhood tucked off Wildwood Drive. Mature trees, quiet streets, and neighbors who have been here a while, but still minutes from shopping, dining, and the interstate.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $285,726 | $46,945 | — |
| 2024 | $279,223 | $44,914 | — |
| 2023 | $289,513 | $42,150 | — |
| 2022 | $257,988 | $39,466 | — |
| 2021 | $148,042 | $36,860 | — |
| 2020 | $148,581 | $35,661 | — |
2025 property taxes (current owner): $1,128/yr
Estimated taxes if purchased at asking price: ~$5,700/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 (2025), 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.
Hurricane evacuation zone B
Zone B evacuates after zone A in an approaching storm.
Roof: material not specified — year not disclosed (home built 1985)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,756 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 homeAs of September 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
- Sep 4, 2026Pending$359,900
- Aug 31, 2026Listed$359,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: US REALTY HUB
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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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.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines