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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 Beacon Lake, St. Augustine.

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Active

Active·Listed today·Beacon Lake

522 Stargaze Lane

St. Augustine, FL 32095

$590,000$255/sqftEst. $3,065/moMLS# 2165061
3
Beds
3.5
Baths
2,316
Sq Ft
2023
Built
2
Garage
No
Pool

About this home

Beacon Lake

Welcome home to this beautiful two-story home in the highly sought-after Beacon Lake community! Offering 2,316 square feet, three spacious bedrooms and 3½ bathrooms, this home combines generous living space with stylish, thoughtful details. The open-concept main living area features a bright white kitchen with an oversized island, abundant cabinetry, stainless-steel appliances and striking statement lighting. The kitchen flows seamlessly into the spacious living room, making the layout perfect for everyday living and entertaining. A custom accent wall adds a bold designer touch, while the upstairs flex space provides additional room for an office, playroom or second living area. Outside, enjoy a covered lanai and fully fenced backyard with plenty of space to create your own outdoor retreat. A two-car garage completes the home. Beacon Lake offers an incredible resort-style lifestyle centered around its 43-acre paddle-friendly lake, with a junior Olympic pool, splash park, sand beach

Cost to own

Mortgage calculator

$590,000
$118,000
Loan Term
Monthly Payment
$3,065
Principal & Interest: $3,065
Property taxes (est.): $785
Insurance (est.): $393
Estimated Total Monthly
$4,243
*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$3,065
Property taxesest. at asking price, St. Johns County$785
HOAbilled annually$5
Estimated total, before insurance$3,855/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.

History

Price & status history

  • Sep 16, 2026Listed$590,000

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

Features

Price$590,000
Price / Sq Ft$255
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,316
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address522 Stargaze Lane, St. Augustine, FL 32095
Area304- 210 South
SubdivisionBeacon Lake
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Parcel Number0237250600
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Primary Bathroom - Tub with Shower
AppliancesDishwasher, Disposal, Electric Oven, Electric Range
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories2
LevelsTwo

Additional Information

Date ListedSeptember 16, 2026
Days on Market0
HOA Fees$62 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

The neighborhood

About Beacon Lake

Beacon Lake is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.

View all Beacon Lake homes for sale →

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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