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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 a home near St. Augustine High School.

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Active

Active·Listed today

2320 Water Plant Road

St. Augustine, FL 32092

$750,000$434/sqftEst. $3,972/moMLS# 2165463
3
Beds
2
Baths
1,728
Sq Ft
2001
Built
Garage
No
Pool
No HOA12.77 acresSingle Family Residence1 story

About this home

St. Augustine

Welcome to country living in St. Augustine! Situated on approximately 12.78 acres, this 3-bedroom, 2-bath home offers the space, privacy and infrastructure to create your own equestrian retreat, hobby farm or peaceful country homestead. The property is thoughtfully set up for horses and livestock with multiple fenced pastures, numerous run-in stalls and shelters, a riding arena, round pen, grooming and hitching areas, tack/feed storage and running water to multiple pasture areas. Two stocked ponds enhance the setting, including a larger pond that has also been used as part of the property's pasture irrigation system. For those dreaming of the homestead lifestyle, you'll also find two chicken coop areas with nesting space and running water, raised garden beds with trellises, fruit trees, multiple storage buildings, equipment and hay storage, and plenty of room to spread out. A solar-powered entrance gate and concrete driveway welcome you home.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$3,972
Property taxesest. at asking price, St. Johns County$998
Estimated total, before insurance$4,970/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,092/yr · $91/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$750,000
$150,000
Loan Term
Monthly Payment
$3,972
Principal & Interest: $3,972
Property taxes (est.): $998
Insurance (est.): $500
Estimated Total Monthly
$5,470
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — year not disclosed (home built 2001)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,576 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

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,092/yr

Estimated taxes if purchased at asking price: ~$12,000/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, NEFMLS.

History

Price & status history

  • Sep 18, 2026Listed$750,000

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

Features

Price$750,000
Price / Sq Ft$434
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,728
Acres12.77 acres
Year Built2001
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

ElementaryWebster
MiddleMurray

Community Information

Address2320 Water Plant Road, St. Augustine, FL 32092
Area343-Molasses Junction/Elkton
SubdivisionTrestle Bay
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size556,261.2 sq ft
Parcel Number1010380010

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingRV Access/Parking
ViewPond

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Dryer, Freezer, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingVaries by Unit
CoolingWall/Window Unit(s)
# of Stories1
LevelsOne

Exterior

Lot DescriptionAgricultural, Farm
Patio / PorchCovered, Front Porch, Glass Enclosed, Rear Porch
FencingFenced, Cross Fenced, Full
RoofMetal
Other StructuresBarn(s), Shed(s), Stable(s)

Additional Information

Date ListedSeptember 18, 2026
Days on Market1
Tax Amount$1,092.43
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX UNLIMITED · remaxshelby@gmail.com

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.

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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