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 St Augustine Shores, St. Augustine — a golf course home in St. Johns County.

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Active

Active·7 days on market·St Augustine Shores

460 Gallardo Circle

St. Augustine, FL 32086

$869,000$271/sqftEst. $4,491/moMLS# 2162892

Beds

Baths

3,201

Sq Ft

2007

Built

Garage

Yes

Pool

About this home

St Augustine Shores

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

Cost to own

Mortgage calculator

Home Price

$869,000

Down Payment: 20%

$173,800

Interest Rate: 6.71%

Loan Term

Monthly Payment

$4,491

Principal & Interest: $4,491

Property taxes (est.): $1,156

Insurance (est.): $579

Estimated Total Monthly

$6,226

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$4,491

Property taxesest. at asking price, St. Johns County$1,156

HOAbilled monthly$34

Estimated total, before insurance$5,681/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,950/yr · $746/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): $8,950/yr

Estimated taxes if purchased at asking price: ~$13,900/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 — 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 home

As 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 1, 2026Listed$869,000

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

Features

Price$869,000

Price / Sq Ft$271

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage3,201

Total Structure Area4,427 sq ft

Acres0.39 acres

Year Built2007

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Salt Water, Screen Enclosure

Is WaterfrontNo

Community Information

Address460 Gallardo Circle, St. Augustine, FL 32086

Area334-Moultrie/St Augustine Shores

SubdivisionSt Augustine Shores

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Lot Size16,988.4 sq ft

Parcel Number2841970160

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Golf Course, Jogging Path, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Electric Water Heater, Gas Range, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryIn Unit