This home is in City Of St Augustine, St. Augustine Shores — a waterfront home in St. Johns County.
Active·1 day on market·City Of St Augustine
1013 Aragon Avenue
St. Augustine Shores, FL 32086
About this home
City Of St Augustine
COZY LAKEFRONT HOME WITH PANORAMIC VIEWS & EXTENSIVE UPDATES! Enjoy peaceful lakefront living in this charming two-bedroom, two-bath home featuring panoramic lake views, an attached carport, and a private, fully fenced backyard with an attached enclosed screened porch--perfect for relaxing, entertaining, or enjoying the beautiful surroundings. This home has been thoughtfully updated with numerous recent improvements, offering peace of mind and convenience for the next owner. Major upgrades include a new roof (2023), new HVAC system, and all-new HVAC ductwork--a significant approximately $13,000 improvement. Additional updates include a new water heater, new flooring throughout, fresh interior paint, new kitchen and bathroom faucets, a new stove and range hood, an almost-new refrigerator, new garbage disposal, and new toilets in both bathrooms. The kitchen features cabinetry approximately eight years old, providing a functional and attractive space for everyday living.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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): $3,578/yr
Estimated taxes if purchased at asking price: ~$5,100/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.
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: Shingle — 2023 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,695 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 homeAs 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 12, 2026Price change$319,900+$5,000
- Sep 12, 2026Listed$314,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About City Of St Augustine
City Of St Augustine is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32086.
View all City Of St Augustine homes for sale →Listing Courtesy of: MOMENTUM REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
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 home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines