This home is in St. Augustine.
$470,0003 bd · 2 ba · 1,735 sq ft
Active·48 days on market
3285 Turtle Creek Road
St. Augustine, FL 32086
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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!
Next steps in St. Augustine
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: material not specified — year not disclosed (home built 1990)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Public water · St Johns County Utilities - water accounts
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,362 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
A Street ramp and lotsabout 4 mi · 45 parking spaces
Closest park or preserve
Treaty Parkabout 2 mi · 1.9 mi of trails
Closest public boat ramp
Moultrie Creek Boat Rampabout 0.8 mi · Moutrie Creek
Closest kayak & paddleboard launch
Vail Point Park – Paddlecraft Dockabout 1 mi · Moultrie Creek
Closest youth league fields
Treaty Parkabout 2 mi · Basketball, Football, Lacrosse
Closest grocery store
Publixabout 1 mi · 4255 Us 1 S, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,563/yr
Estimated taxes if purchased at asking price: ~$7,500/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.
History
Price & status history
- Oct 14, 2026Price change$470,000−$4,000
- Sep 28, 2026Price change$474,000−$900
- Sep 14, 2026Listed$474,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $223/sq ft; this home is listed at $271/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 102 Alicante Road, St. Augustine, FL 32086Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Jul 2026 | $335,000 | $195 | 3/2 | 1,722 | 101 | 0.7 |
| 1348 Prince Road, St. Augustine, FL 32086Listed by MOMENTUM REALTY | Oct 2026 | $335,000 | $223 | 4/2 | 1,500 | 90 | 0.8 |
| 3345 Kings Road S, St. Augustine, FL 32086Listed by INTEGRITY KEY REALTY LLC | Oct 2026 | $520,000 | $286 | 3/2 | 1,818 | 29 | 0.8 |
| 320 Lobelia Road, St. Augustine, FL 32086Listed by OCEAN ELEVEN REALTY | Sep 2026 | $273,000 | $190 | 3/2 | 1,434 | 91 | 0.8 |
| 832 White Eagle Circle, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Aug 2026 | $444,000 | $259 | 3/2 | 1,711 | 63 | 0.8 |
| 369 Orchis Road, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Sep 2026 | $315,000 | $223 | 2/2 | 1,412 | 41 | 0.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MAXREV, LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
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