This home is in St. Augustine.
$314,9953 bd · 2.5 ba · 1,471 sq ft
Active·50 days on market
25 Ridge Lake 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
Luxury Townhouse in the most desirable building. Owner financing 4.95% 24 Mo. Interest only w/20% down. Community Pool Over $25,000 in upgrades in 2025: High-quality flooring on the steps and entire 2nd floor. Full paver patio GE Cafe INDUCTION range- double ovens Apex whole house water treatment system Front/Back Retractable Screens Poly-coating at entry 3 wall-mounted Samsung smart TVs Your gourmet kitchen includes: Custom floating shelves Custom backsplash Quartz counter tops GE Cafe Induction Range with double ovens Exterior vented chimney hood with curved glass canopy Samsung Refrigerator with water and ice dispenser Samsung Dishwasher 3/4 HP Insulated Insinkerator Disposal (new 2025) Large pantry Primary Bedroom has a large walk-in closet and ensuite bath with dual sinks, Second Bedroom has ensuite bath and large closet Remote controlled ceiling fans in family room and 2 bedrooms Upstairs laundry with full-size Samsung Washer and Dryer.
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 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,782 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.
As 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
Anastasia State Park (south lot)about 4 mi · 100 parking spaces
Closest park or preserve
Treaty Parkabout 2 mi · 1.9 mi of trails
Closest public boat ramp
Douglas C. Crane Parkabout 1 mi · Matanzas River
Closest kayak & paddleboard launch
Moultrie Bluffs – Lewis Point Park – Paddlecraft Accessabout 2 mi · Moultrie Creek
Closest youth league fields
St. Augustine Little Leagueabout 2 mi · Baseball, Softball
Closest grocery store
Walmart Supercenterabout 0.4 mi · 2355 US Highway 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): $4,205/yr
Estimated taxes if purchased at asking price: ~$5,000/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 20, 2026Listed$314,995
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 $160/sq ft; this home is listed at $214/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 114 Moultrie Village Lane, St. Augustine, FL 32086Listed by ANDERSON REALTY | Oct 2026 | $215,000 | $160 | 2/2.5 | 1,344 | 52 | 0.1 |
| 288 Moultrie Village Lane, St. Augustine South, FL 32086Listed by MILLER & COMPANY REAL ESTATE | Sep 2026 | $210,000 | $153 | 2/2.5 | 1,372 | 99 | 0.2 |
| 237 Moultrie Village Lane, St. Augustine, FL 32086Listed by MOMENTUM REALTY | Jul 2026 | $220,000 | $160 | 2/2.5 | 1,372 | 32 | 0.2 |
| 405 S Villa San Marco Drive 208, St. Augustine, FL 32086Listed by CROSSVIEW REALTY | Aug 2026 | $197,000 | $156 | 3/2 | 1,260 | 12 | 0.3 |
| 440 S Villa San Marco Drive 201, St. Augustine, FL 32086Listed by WATSON REALTY CORP | Sep 2026 | $200,000 | $159 | 3/2 | 1,260 | 100 | 0.4 |
| 145 Whitland Way, St. Augustine, FL 32086Listed by VREELAND REAL ESTATE LLC | Aug 2026 | $215,000 | $178 | 2/2.5 | 1,211 | 54 | 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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: SAVVY AVENUE, 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
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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
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