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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 Marsh Creek, St. Augustine — a waterfront home in St. Johns County.

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Active

Active·3 days on market·Marsh Creek

925 Spring Lake Court

St. Augustine, FL 32080

$1,100,000$403/sqftEst. $6,021/moMLS# 2167383
3
Beds
3
Baths
2,729
Sq Ft
2000
Built
2
Garage
Yes
Pool

11 more homes for sale in Marsh Creek →Search Marsh Creek on the map

FEMA Zone XHOA $227/mo9,583 sqft lotWaterfrontSingle Family Residence2 stories

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Marsh Creek

Welcome to this beautifully updated 3-bedroom, 3-bathroom concrete block pool home in the highly sought-after gated community of Marsh Creek, home to the only golf course on Anastasia Island! Thoughtfully enhanced throughout, this residence features new flooring across the entire main floor, fresh paint, high-end appliances, and gorgeous quartz countertops. The upgraded primary suite offers a luxurious retreat, while the spacious upstairs bedroom with a full bath provides privacy and flexibility for guests. A dedicated office adds convenience for work or study. Step outside to your private oasis featuring a sparkling pool, hot tub, and peaceful lake views—perfect for relaxing or entertaining. Nestled on a quiet cul-de-sac, this exceptional pool home offers luxury, comfort, privacy, and resort-style living. Lawn care is included in the HOA, adding to the ease and convenience of living in this premier gated community. Don't miss this wonderful opportunity to own this beautiful 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 · 7.28% · 30yr$6,021
Property taxesest. at asking price, St. Johns County$1,464
HOAbilled quarterly$227
Estimated total, before insurance$7,711/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,470/yr · $789/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

$1,100,000
$220,000
Loan Term
Monthly Payment
$6,021
Principal & Interest: $6,021
Property taxes (est.): $1,464
Insurance (est.): $733
Estimated Total Monthly
$8,218
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2000)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,774 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

As of October 2026, 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): $9,470/yr

Estimated taxes if purchased at asking price: ~$17,600/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

  • Oct 1, 2026Listed$1,100,000

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

Features

Price$1,100,000
Price / Sq Ft$403
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,729
Acres0.22 acres
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StylePatio Home, Traditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontYes
Gated CommunityYes

School Information

Community Information

Address925 Spring Lake Court, St. Augustine, FL 32080
Area331-St Augustine Beach
SubdivisionMarsh Creek
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32080
Lot Size9,583.2 sq ft
Parcel Number1626940070
ZoningResidential

Amenities

AmenitiesOther, Gated, Security
Community FeaturesStreet Lights, Gated
UtilitiesPropane
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewLake, Protected Preserve
Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Oven, Electric Water Heater, Induction Cooktop, Microwave, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces1
Fireplace FeaturesOther
# of Stories2
LevelsOne and One Half
LaundryIn Unit
SecurityClosed Circuit Camera(s), Smoke Detector(s)

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchCovered, Patio, Screened
RoofShingle
ConstructionBlock, Stucco
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedOctober 1, 2026
Days on Market3
HOA Fees$680 / Quarterly
HOA FrequencyQuarterly
HOA Fee IncludesMaintenance Grounds, Pest Control, Water
Tax Amount$9,469.71
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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.

The neighborhood

About Marsh Creek

Marsh Creek is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32080.

View all Marsh Creek homes for sale →

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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines