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This home is in Morgans Cove, St. Augustine.

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Sold

Sold·Closed Oct 9, 2026·11 days on market·Recent sales in Morgans Cove·Morgans Cove

953 Morgans Treasure Road

St. Augustine, FL 32084

$340,000sold priceListed at $349,900 · 97.2% of asking$213/sqftMLS# 2163426

Beds

Baths

1,596

Sq Ft

2022

Built

Garage

Pool

8 more homes for sale in Morgans Cove →Search Morgans Cove on the map

FEMA Zone XHOA $31/mo6,534 sqft lotSingle Family Residence1 story

About this home

Morgans Cove

Move-in ready 2022-built one-story in Morgan's Cove -- 3 bedrooms, 2 baths, 1,596 square feet, and a 2-car garage in St. Augustine, St. Johns County. The open floor plan centers on a kitchen with quartz countertops, stainless steel appliances, soft-close cabinetry, and an oversized bar that opens straight into the living room. Luxury vinyl plank runs through the main living areas and the primary bedroom is downstairs. Out back, a covered patio overlooks a fully fenced vinyl privacy yard on a 0.15-acre lot. Extended paver driveway, owned water softener, and ceiling fans throughout. Washer, dryer, Murphy bed, and water softener convey with the home. HOA dues are $370 per year and there is no CDD. Convenient to SR 16, I-95, and historic downtown St. Augustine. Walk it yourself with the 3D virtual tour, then schedule your showing.

Next steps in Morgans Cove

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$1,868

Property taxesest. at asking price, St. Johns County$452

HOAbilled annually$31

Estimated total, before insurance$2,352/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,402/yr · $367/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).

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2022)

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

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
Vilano Beach oceanfront
32 min drive · 37 parking spaces
Closest park or preserve
Twelve Mile Swamp Conservation Area
14 min drive · 2.2 mi of trails
Closest public boat ramp
Douglas C. Crane Park
about 5 mi · Matanzas River
Closest kayak & paddleboard launch
San Sebastian River at Highway 16 Roadside Primitive Access
about 5 mi · San Sebastian River
Closest youth league fields
Collier-Blocker-Puryear Park
10 min drive · Basketball, Football, Lacrosse
Closest grocery store
Publix
about 3 mi · 250 Plaza Blvd, 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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:34 AM, sunset 6:45 PM.

Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,402/yr

Estimated taxes if purchased at asking price: ~$5,400/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 11, 2026Closed$349,900
Sep 20, 2026Active Under Contract$349,900
Sep 8, 2026Active$349,900
Sep 1, 2026Listed$349,900

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 $250/sq ft; this home is listed at $219/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
571 Morgans Treasure Road, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY	Sep 2026	$338,500	$198	3/2	1,711	124	0.4
138 Falcon Ridge Road, St. Augustine, FL 32084Listed by PREMIER HOMES REALTY INC	Jul 2026	$340,000	$199	3/2	1,711	17	0.4
2151 Deerwood Acres Drive, St. Augustine, FL 32084Listed by ENDLESS SUMMER REALTY	Jun 2026	$696,000	$339	3/2.5	2,055	23	1.2
125 S Prairie Lakes Drive, St. Augustine, FL 32084Listed by FLORIDA HOMES REALTY & MTG LLC	Jul 2026	$395,000	$250	3/2	1,577	30	1.5
2340 Deerwood Acres Drive, St. Augustine, FL 32084Listed by MOMENTUM REALTY	Sep 2026	$430,000	$331	3/1	1,300	6	1.6
597 Lake Sinclair Street, St. Augustine, FL 32084Listed by HOUWZER, INC.	Aug 2026	$379,900	$187	4/3	2,027	61	1.6

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$349,900

Price / Sq Ft$219

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,596

Acres0.15 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusClosed

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

This listingNo schools reported in the MLS

ElementaryWebster, reported on 21 other Morgans Cove listings

MiddleMurray, reported on 23 other Morgans Cove listings

HighSt. Augustine, reported on 23 other Morgans Cove listings

County schoolsSt. Johns County Schools

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address953 Morgans Treasure Road, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionMorgans Cove

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size6,534 sq ft

Parcel Number0956010880

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Primary Downstairs

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingElectric, Heat Pump

CoolingCentral Air

FlooringCarpet

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecurityClosed Circuit Camera(s), Smoke Detector(s)

Exterior

Lot DescriptionCorner Lot

Patio / PorchCovered

FencingBack Yard, Full, Privacy, Vinyl

RoofShingle

ConstructionFiber Cement

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedSeptember 8, 2026

Days on Market11

HOA Fees$370 / Annually

HOA FrequencyAnnually

HOA NameMorgans Cove

Tax Amount$4,401.8

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

Sold by: COLDWELL BANKER PREMIER PROPERTIES (buyer's brokerage)

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.

The neighborhood

About Morgans Cove

Morgans Cove is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

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