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This home is in St. Augustine.

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Active·Listed today

3051 Usina Road

St. Augustine, FL 32084

$443,000$196/sqftEst. $2,277/moMLS# 2162980

Beds

Baths

2,263

Sq Ft

2011

Built

—

Garage

Pool

About this home

St. Augustine

COUNTRY FEEL WITHOUT GIVING UP CONVENIENCE! Tucked beneath beautiful mature trees, this peaceful property offers the space, privacy, and relaxed lifestyle you've been looking for--all while keeping shopping, dining, and everything St. Augustine has to offer close by. From the moment you arrive, the expansive front yard and towering shade trees create a setting that feels like your own private park. Spend your mornings enjoying coffee on the front deck, relax beneath the trees, or simply take in the breeze and peaceful surroundings. One of the standout features of this property is the detached shop, built in 2018 and equipped with A/C and fans. Whether you're looking for a workshop, hobby space, additional storage, or room for your next project, this versatile space offers so many possibilities. An RV outlet installed in 2024 adds even more functionality for those with an RV, camper, or additional recreational equipment. The sellers have continued to invest in and maintain the property

Cost to own

Mortgage calculator

Home Price

$443,000

Down Payment: 20%

$88,600

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,277

Principal & Interest: $2,277

Property taxes (est.): $590

Insurance (est.): $295

Estimated Total Monthly

$3,162

*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$2,277

Property taxesest. at asking price, St. Johns County$589

Estimated total, before insurance$2,867/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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $334/yr

Estimated taxes if purchased at asking price: ~$7,100/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2011)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,508 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

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$443,000

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

Features

Price$443,000

Price / Sq Ft$196

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,263

Acres0.92 acres

Year Built2011

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional, Other

StatusActive

# of Carport Spaces1

Has PoolNo

Is WaterfrontNo

Community Information

Address3051 Usina Road, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionGreen Acres

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size40,075.2 sq ft

Parcel Number0873200000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingDetached Carport, Gated

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Gas Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LaundryElectric Dryer Hookup

Window FeaturesSkylight(s)