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Active

Active·49 days on market

629 Knollwood Lane

St. Augustine, FL 32086

$389,900$220/sqftEst. $2,143/mo mortgageMLS# 2163274

↓ $25,100 below original list

Beds

Baths

1,772

Sq Ft

2005

Built

Garage

Pool

FEMA Zone XHOA $205/moSingle Family Residence1 story

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Want to walk through this home this week?

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

New ROOF! Welcome to Southwood living at its finest! Located in the coveted gated community of Southwood, this beautifully maintained concrete-block home offers the perfect blend of comfort, convenience, and low-maintenance Florida living. Ideally situated just 15 minutes from St. Augustine's beautiful beaches and historic downtown, this home puts you close to everything while still providing a peaceful retreat. Inside, you'll find a combination of tile and laminate flooring throughout, offering a stylish and easy-to-maintain living space. Step outside and enjoy your own private oasis overlooking a preserve, where natural foliage creates a serene and private backdrop. The Florida room provides the perfect place to relax and enjoy the Florida lifestyle. The preserve lot also features natural foliage in the front of the home, adding to its beautiful setting and curb appeal. Several important updates provide added peace of mind, including appliances that are less than five years old

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$2,143

Property taxesest. at asking price, St. Johns County$519

HOAbilled monthly$205

Estimated total, before insurance$2,866/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$389,900

Down Payment: 20%

$77,980

Interest Rate: 7.32%

Loan Term

Monthly Payment

$2,143

Principal & Interest: $2,143

Property taxes (est.): $519

Insurance (est.): $260

Estimated Total Monthly

$2,921

*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

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: material not specified — year not disclosed (home built 2005)

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: ~1,746 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.

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 lot
19 min drive · 50 parking spaces
Closest park or preserve
Treaty Park
12 min drive · 1.9 mi of trails
Closest public boat ramp
Moultrie Creek Boat Ramp
about 1 mi · Moutrie Creek
Closest kayak & paddleboard launch
Vail Point Park – Paddlecraft Dock
about 2 mi · Moultrie Creek
Closest youth league fields
Gamble Rogers School Fields
10 min drive · Soccer
Closest grocery store
Publix
8 min drive · 4255 Us 1 S, Saint 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.

History

Price & status history

Oct 6, 2026Price change$389,900−$9,100
Sep 8, 2026Price change$399,000−$16,000
Sep 3, 2026Listed$415,000

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 $220/sq ft; this home is listed at $220/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
101 Laurel Wood Way Way 104, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE	Jun 2026	$265,000	$208	2/2	1,272	0	0.1
756 Crestwood Drive, St. Augustine, FL 32086Listed by ENDLESS SUMMER REALTY	Aug 2026	$339,900	$214	2/2	1,592	1	0.2
44 Moonbeam Road, St. Augustine, FL 32086Listed by NON MLS (realMLS)	Aug 2026	$365,860	$273	3/2	1,342	0	0.4
394 Balearics Drive, St. Augustine, FL 32086Listed by SAVVY AVENUE, LLC.	Jun 2026	$395,000	$220	3/2	1,798	33	0.5
109 Osprey Marsh Lane, St. Augustine, FL 32086Listed by LOKATION	Oct 2026	$335,000	$214	3/2	1,564	127	0.7
4945 Moultrie Reserve Court, St. Augustine, FL 32086Listed by COMPASS FLORIDA LLC	Jul 2026	$610,000	$321	3/3	1,900	7	0.7

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

Price$389,900

Price / Sq Ft$220

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,772

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

Zoned elementaryW. D. Hartley Elementary School

Zoned middleGamble Rogers Middle School

Zoned highPedro Menendez High School

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.

Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address629 Knollwood Lane, St. Augustine, FL 32086

Area334-Moultrie/St Augustine Shores

SubdivisionSouthwood

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Parcel Number181752 1060

Amenities

AmenitiesPool, Shuffleboard Court, Tennis Court(s)

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingGated

ViewTrees/Woods

Interior

AppliancesConvection Oven, Dishwasher, Electric Range, Microwave

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

Exterior

ConstructionBlock, Concrete

Additional Information

Date ListedSeptember 3, 2026

Days on Market46

HOA Fees$205 / Monthly

HOA FrequencyMonthly

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.

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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