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 Beacon Lake, St. Augustine — a home near Beachside High School.

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Active

Active·Listed today·Beacon Lake

434 Twilight Lane

St. Augustine, FL 32095

$470,000$274/sqftEst. $2,429/moMLS# 2162981

Beds

Baths

1,716

Sq Ft

2024

Built

Garage

Pool

About this home

Beacon Lake

Welcome to 434 Twilight Lane, a one of a kind, Move In Ready masterpiece built in 2024. Situated in a highly desirable section of the premier Beacon Lake community, this exceptional 3-bedroom, 2-bathroom home perfectly blends fresh modern style with casual everyday comfort. Step inside to an immediately bright and airy open-concept layout elevated by designer touches throughout. Premium upgrades include stunning Luxury Vinyl Plank (LVP) flooring, flawless quartz countertops, a fully fenced backyard for ultimate privacy, full gutters, and a natural gas connection. The seamless flow from the spacious living room to the gourmet kitchen and dining areas makes it an entertainer's dream. Enjoy access to Beacon Lake's resort style amenities including a 43-acre paddle-friendly lake, Lakehouse fitness center, junior Olympic pool, splash park, and sports courts. Located in the heart of the top rated St. Johns County School District, with Lakeside Academy right inside it.

Cost to own

Mortgage calculator

Home Price

$470,000

Down Payment: 20%

$94,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,429

Principal & Interest: $2,429

Property taxes (est.): $625

Insurance (est.): $313

Estimated Total Monthly

$3,367

*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$2,429

Property taxesest. at asking price, St. Johns County$625

HOAbilled annually$5

Estimated total, before insurance$3,059/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,852/yr · $738/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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): $8,852/yr

Estimated taxes if purchased at asking price: ~$7,500/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 2024)

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

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 6, 2026Active$470,000
Sep 1, 2026Listed$470,000

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

Features

Price$470,000

Price / Sq Ft$274

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,716

Total Structure Area2,022 sq ft

Acres0.15 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address434 Twilight Lane, St. Augustine, FL 32095

Area304- 210 South

SubdivisionBeacon Lake

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size6,534 sq ft

Parcel Number0237260330

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Natural Gas Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)