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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St. Augustine.

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Active

Active·5 days on market

716 Lake Geneva Drive

St. Augustine, FL 32092

$410,000$211/sqftEst. $2,119/moMLS# 2163427
3
Beds
2
Baths
1,941
Sq Ft
1999
Built
2
Garage
No
Pool

About this home

St. Augustine

Welcome to 716 Lake Geneva Drive, a spacious single-story home located in the desirable Southlake community of St. Augustine. Built in 1999, this inviting home offers approximately 1,941 square feet of living space, generous living areas, a large backyard, and an attached two-car garage. A new architectural shingle roof installed in 2026 provides added peace of mind for years to come. Step inside to a bright and comfortable floor plan featuring wood flooring and plenty of room to spread out. The large eat-in kitchen offers stainless steel appliances, ceramic tile, generous cabinet and counter space, new laminate countertops, and an open breakfast bar overlooking the main living area. A formal dining room located just off the kitchen provides additional space for meals and entertaining. The spacious primary suite is privately positioned and includes its own bath. The split-bedroom floor plan creates separation between the sleeping areas

Cost to own

Mortgage calculator

$410,000
$82,000
Loan Term
Monthly Payment
$2,119
Principal & Interest: $2,119
Property taxes (est.): $546
Insurance (est.): $273
Estimated Total Monthly
$2,938
*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$2,119
Property taxesest. at asking price, St. Johns County$546
HOAbilled annually$38
Estimated total, before insurance$2,702/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,672/yr · $389/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): $4,672/yr

Estimated taxes if purchased at asking price: ~$6,500/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.

Outside all hurricane evacuation zones

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

Roof: Shingle — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,715 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 3, 2026Listed$410,000

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

Features

Price$410,000
Price / Sq Ft$211
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,941
Acres0.15 acres
Year Built1999
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address716 Lake Geneva Drive, St. Augustine, FL 32092
Area304- 210 South
SubdivisionSouthlake
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size6,534 sq ft
Parcel Number0264410050

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Dryer, Electric Range, Microwave, Washer
HeatingCentral, Electric
CoolingCentral Air
# of Stories1
LevelsOne

Exterior

RoofShingle

Additional Information

Date ListedSeptember 4, 2026
Days on Market3
HOA Fees$453 / Annually
HOA FrequencyAnnually
HOA NameSOUTHLAKE COMMUNITY HOA
Tax Amount$4,671.8
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: INTEGRITY KEY REALTY LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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