412 Emslie Terrace

• • 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).

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.

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.

• Sep 25, 2026Listed$549,000

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

• 

  For Sale

  1005 Dove House Lane

  St. Augustine, FL 32095

  5 bd · 3 ba · 2,674 sq ft

  $589,000Est. $3,135/mo

  Welcome to 1005 Dove House Lane, a residence where timeless design meets meticulous care. Set on a quarter acre…

  Listing Office: berkshire hathaway homeservices, florida network realty

• 

  For Sale

  12350 Twin Sands Trail E

  Jacksonville, FL 32246

  4 bd · 2 ba · 2,085 sq ft

  $499,999Est. $2,661/mo

  Welcome to this beautiful 4-bedroom, 2-bath home in the desirable Brighton Bay community! This spacious residence…

  Listing Office: florida homes realty & mtg llc

• 

  Under Contract

  611 Battersea Drive

  St. Johns, FL 32095

  5 bd · 3 ba · 3,162 sq ft

  $610,000Est. $3,247/mo

  Welcome to desirable Kennington, a charming low HOA fee community located just north of beautiful Palencia in…

  Listing Office: remax welcome home

• 

  For Sale

  1121 Westfield Way

  St. Augustine, FL 32095

  5 bd · 3 ba · 2,426 sq ft

  $625,000Est. $3,327/mo

  Mattamy built home in St. Johns Country. No CDD. Beautifully landscaped split bedroom floor plan. Large primary suite…

  Listing Office: sound investments real estate

• 

  For Sale

  826 A1A Beach Blvd Boulevard 37

  St. Augustine, FL 32080

  2 bd · 2 ba · 1,184 sq ft

  $460,000Est. $2,448/mo

  Listing Office: florida homes realty & mtg llc

  in Ponce Landing
• 

  For Sale

  813 W American Eagle Drive

  St. Augustine, FL 32092

  4 bd · 3 ba · 2,472 sq ft

  $540,000Est. $2,874/mo

  Listing Office: nottingham realty and rentals

  in Johns Creek, Jacksonville

Kensington guides & reports