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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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3285 Turtle Creek Road

St. Augustine, FL 32086

$474,900$274/sqftEst. $2,467/moMLS# 2164778
3
Beds
2
Baths
1,735
Sq Ft
1990
Built
2
Garage
No
Pool

About this home

St. Augustine

Welcome to 3285 Turtle Creek Rd, a move-in ready home tucked away in the desirable, tree-lined Willow Walk community. This charming 3-bedroom, 2-bathroom single-family residence boasts a light-filled open floor plan with vaulted ceilings, elegant crown molding, and skylights that flood the home with natural Florida sunshine. Designed for effortless daily living and entertaining, the kitchen features updated granite countertops, stainless steel appliances, and a spacious walk-in pantry. Step outside into your private backyard retreat an exceptionally expansive, lot offering lush tropical landscaping, a shaded patio, and endless possibilities for outdoor entertaining or a custom garden. Nestled in top-rated St. Johns County Schools, this location offers low-maintenance coastal living just minutes from Historic Downtown St. Augustine, pristine First Coast beaches, local dining, and easy access to I-95. A rare find that blends privacy, charm, and convenience, schedule your tour today!

Cost to own

Mortgage calculator

$474,900
$94,980
Loan Term
Monthly Payment
$2,467
Principal & Interest: $2,467
Property taxes (est.): $632
Insurance (est.): $317
Estimated Total Monthly
$3,415
*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$2,467
Property taxesest. at asking price, St. Johns County$632
HOAbilled annually$23
Estimated total, before insurance$3,122/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,563/yr · $380/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): $4,563/yr

Estimated taxes if purchased at asking price: ~$7,600/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

  • Sep 14, 2026Listed$474,900

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

Features

Price$474,900
Price / Sq Ft$274
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,735
Acres0.25 acres
Year Built1990
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address3285 Turtle Creek Road, St. Augustine, FL 32086
Area337-Old Moultrie Rd/Wildwood
SubdivisionWillow Walk
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32086
Lot Size10,890 sq ft
Parcel Number1353124210

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryIn Unit
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesFire Pit
Patio / PorchPatio, Porch
ConstructionStucco

Additional Information

Date ListedSeptember 14, 2026
Days on Market0
HOA Fees$275 / Annually
HOA FrequencyAnnually
Tax Amount$4,562.91
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MAXREV, 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

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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