This home is in St. Augustine — a home near Pedro Menendez High School.
Active·Listed today
309 Elza Lane
St. Augustine, FL 32086
About this home
St. Augustine
Dreams really do come true! Welcome to this exceptional luxury retreat in Moses Creek Estates, perfectly situated on a quiet cul-de-sac and oversized lot, minutes from the beach, historic St. Augustine, top-rated schools, parks, boat ramps, dining, and shopping. This beautifully appointed 4-bedroom, 2.5-bath pool home offers 2,400 square feet of refined living space with luxury vinyl plank flooring, custom shiplap and board-and-batten accents, bamboo shades, built-in storage, and a wood-burning fireplace. The designer kitchen features a custom subway tile backsplash, spacious walk-in pantry, and open-concept design. The primary suite offers dual walk-in closets and a renovated spa-inspired bath. The fourth bedroom doubles as a bonus room, media room, or guest retreat. French doors lead to a resort-style backyard with heated pool, firepit, outdoor shower, and fenced yard backing to mature woods. Upgrades include a newer roof and AC. Luxury, privacy, and Florida living at its finest!
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
Cost to own
Taxes & assessment
2025 property taxes (current owner): $5,044/yr
Estimated taxes if purchased at asking price: ~$11,600/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 22, 2026Listed$725,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY · msharman@onesothebysrealty.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.
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Your Local Realtor
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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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