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 Murabella, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·Listed today·Murabella

298 Porta Rosa Circle

St. Augustine, FL 32092

$689,900$290/sqftEst. $3,583/moMLS# 2164028

Beds

Baths

2,381

Sq Ft

2008

Built

Garage

Yes

Pool

About this home

Murabella

Nestled on a premium waterfront lot in St. Augustine's sought-after Murabella community, this exquisite 4-bedroom, 3-bath single-story home offers the ultimate Florida resort lifestyle. The open split-bedroom layout features wood floors and tile throughout, new carpet in two bedrooms, plantation shutters, high ceilings, and a light-filled family room centered around a wood-burning fireplace. At the heart of the home, the gourmet gas kitchen boasts 42'' cabinetry, granite counters, a 9-foot buffet, and a breakfast bar. The private owner's suite delights with double tray ceilings, dual walk-in closets, and a spa-like en-suite bath. Step outside to your fully screened backyard oasis, complete with a heated saltwater pool, jacuzzi spa, built-in summer kitchen, awning, paver deck, and peaceful pond views. Modern extras include a whole-home water filtration system, Vivint security, and direct access to Murabella's top-tier amenities and St. Johns County's A-rated schools.

Cost to own

Mortgage calculator

Home Price

$689,900

Down Payment: 20%

$137,980

Interest Rate: 6.76%

Loan Term

Monthly Payment

$3,583

Principal & Interest: $3,583

Property taxes (est.): $918

Insurance (est.): $460

Estimated Total Monthly

$4,961

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$3,583

Property taxesest. at asking price, St. Johns County$918

HOAbilled annually$7

Estimated total, before insurance$4,508/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,947/yr · $829/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

Year	Market value	Taxable value	Change
2025	$512,314	$461,592	—
2024	$512,757	$512,757	—
2023	$518,017	$518,017	—
2022	$512,722	$193,508	—
2021	$300,897	$186,416	—
2020	$282,145	$183,152	—

2025 property taxes (current owner): $9,947/yr

Estimated taxes if purchased at asking price: ~$11,000/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 (2025), NEFMLS.

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 2008)

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: ~1,783 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 10, 2026Active$689,900
Sep 4, 2026Listed$689,900

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

Features

Price$689,900

Price / Sq Ft$290

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,381

Acres0.25 acres

Year Built2008

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced, Heated, Salt Water, Screen Enclosure

Is WaterfrontYes

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address298 Porta Rosa Circle, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionMurabella

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size10,890 sq ft

Parcel Number0286853300

ZoningResidential

Amenities

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

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Water Heater, Gas Range, Refrigerator

HeatingCentral

CoolingElectric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity System Owned

Spa FeaturesIn Ground, Heated, Private