This home is in St. Augustine — a golf course home in St. Johns County.
Active·52 days on market
460 Gallardo Circle
St. Augustine, FL 32086
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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
St. Augustine
Be prepared to be wowed when pulling up to 460 Gallardo Cir. Set back from the street behind lush tropical landscaping, this beautiful 4-bedroom, 4-bath home feels like your own private Florida retreat from the moment you arrive. The expansive driveway, mature landscaping, and three-car garage provide an impressive welcome, while the backyard is where this home truly comes to life. A sparkling pool and oversized lanai create the perfect setting for slow mornings, afternoon swims, grilling with friends, or gathering around the table long after the sun goes down. Inside, the home is designed for both everyday living and effortless entertaining. The spacious chef's kitchen features a gas range, double ovens, generous prep space, and a sink perfectly positioned to look out over the large living room, gas fireplace, and breakfast nook. When it's time to open the home to the outdoors, the telescoping sliders make it easy to bring everyone together around the pool
Next steps in St. Augustine Shores
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 2007)
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: ~1,778 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Mary Street ramp and Gloria Ave lot19 min drive · 50 parking spaces
Closest park or preserve
Moses Creek Conservation Area11 min drive · 7.6 mi of trails
Closest public boat ramp
Palmetto Road Public Boat Rampabout 2 mi · Matanzas River
Closest kayak & paddleboard launch
Vail Point Park – Paddlecraft Dockabout 2 mi · Moultrie Creek
Closest youth league fields
Gamble Rogers School Fields10 min drive · Soccer
Closest grocery store
Aldi5 min drive · 181 Blackford Way, St. Augustine
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): $8,950/yr
Estimated taxes if purchased at asking price: ~$13,600/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 12, 2026Price change$849,000−$20,000
- Sep 1, 2026Listed$869,000
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 $215/sq ft; this home is listed at $265/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 242 Goya Way, St. Augustine, FL 32086Listed by FIV REALTY CO FLORIDA LLC | Sep 2026 | $499,000 | $214 | 4/2 | 2,336 | 113 | 0.3 |
| 308 Palmas Circle, St. Augustine, FL 32086Listed by WATSON REALTY CORP | May 2026 | $690,000 | $217 | 5/4 | 3,174 | 36 | 0.4 |
| 338 San Antonio Drive, St. Augustine, FL 32086Listed by NON MLS (realMLS) | Jun 2026 | $501,498 | $215 | 4/2 | 2,336 | 0 | 0.6 |
| 376 Valverde Lane, St. Augustine, FL 32086Listed by FLORIDA HOMES REALTY & MTG LLC | May 2026 | $596,500 | $233 | 4/3 | 2,560 | 101 | 0.6 |
| 281 Vera Place, St. Augustine, FL 32086Listed by NON MLS (realMLS) | May 2026 | $520,271 | $188 | 4/2.5 | 2,766 | 0 | 0.7 |
| 47 Cabo Way, St. Augustine, FL 32086Listed by NON MLS (realMLS) | Aug 2026 | $555,825 | $201 | 5/3.5 | 2,766 | 0 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL BROKER LLC
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.
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Your Local Realtor
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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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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