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This home is in Beacon Lake, St. Augustine.

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Active

Active·Listed today·Beacon Lake

106 Lucerne Court

St. Augustine, FL 32095

$829,000$253/sqftEst. $4,284/moMLS# 2163972

Beds

Baths

3,280

Sq Ft

2020

Built

Garage

Pool

About this home

Beacon Lake

Welcome to this farmhouse-style home, an expanded Avalon II situated on one of the most desirable homesites in Beacon Lake. Set on a nearly half-acre lot adjacent to a peaceful preserve, this property offers privacy with only one neighboring home, along with a spacious 3-car garage featuring extra-tall garage doors and a welcoming front porch. Designed for both everyday living and entertaining, the home features a large screened paver patio and an extended outdoor paver patio overlooking the expansive, fully fenced backyard. The generous lot provides plenty of space to enjoy the outdoors and accommodate future pool. Luxury upgrades include high end LVP flooring, wood stair treads, crown molding in every room, and quartz countertops throughout. Two barn doors separate the main living areas from the bedrooms, providing added privacy when desired. The kitchen features a custom island, 42-inch white cabinetry, extended cabinetry into the breakfast nook, a farmhouse sink

Cost to own

Mortgage calculator

Home Price

$829,000

Down Payment: 20%

$165,800

Interest Rate: 6.71%

Loan Term

Monthly Payment

$4,284

Principal & Interest: $4,284

Property taxes (est.): $1,103

Insurance (est.): $553

Estimated Total Monthly

$5,940

*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$4,284

Property taxesest. at asking price, St. Johns County$1,103

HOAbilled annually$6

Estimated total, before insurance$5,393/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.

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 2020)

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

Solar potential: ~1,740 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 8, 2026Listed$829,000

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

Features

Price$829,000

Price / Sq Ft$253

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,280

Acres0.48 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address106 Lucerne Court, St. Augustine, FL 32095

Area304- 210 South

SubdivisionBeacon Lake

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size20,908.8 sq ft

Parcel Number0237230260

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Jogging Path, Pickleball, Playground

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsOne and One Half

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)