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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 waterfront home in St. Johns County.

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Active

Active·2 days on market

3500 Joe Ashton Road

St. Augustine, FL 32092

$950,000$475/sqftEst. $5,200/moMLS# 2167495
3
Beds
2.5
Baths
2,000
Sq Ft
2012
Built
—
Garage
Yes
Pool
FEMA Zone XNo HOA6.03 acresWaterfrontSingle Family Residence1 story

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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

PRIVATE LAKESIDE RETREAT ON 6 BEAUTIFLLY LANDSCAPED ACRES! Discover a rare opportunity to enjoy space, privacy and resort-style living on 6 beautifully landscaped acres surrounded by mature natural trees and a wonderful variety of fruit trees, all supported by a dedicated sprinkler system. At the heart of the property is a 2-acre, 15 feet deep private lake with walk-out fishing dock, creating a peaceful backdrop for everyday living and entertaining. This well-appointed 3 bedroom, 2.5 bath, one-level home offers 2,000 square feet of comfortable living space that includes an AC/Heated building for home office or flex space. A full circular driveway provides additional parking in addition to the 2-car attached carport with attached utility shed. The outdoor living is exceptional with a fully screened heated pool and hot tub that overlooks the lake and is connected to a spacious back porch with creative touches. The adjacent concrete patio features a pergola, firepit & hanging swing.

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$5,200
Property taxesest. at asking price, St. Johns County$1,264
Estimated total, before insurance$6,464/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$950,000
$190,000
Loan Term
Monthly Payment
$5,200
Principal & Interest: $5,200
Property taxes (est.): $1,264
Insurance (est.): $633
Estimated Total Monthly
$7,097
*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 — 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.

Hurricane evacuation zone A

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

Roof: Shingle — year not disclosed (home built 2012)

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

Solar potential: ~1,751 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.

History

Price & status history

  • Oct 2, 2026Listed$950,000

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

Features

Price$950,000
Price / Sq Ft$475
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,000
Acres6.03 acres
Year Built2012
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Carport Spaces2
Has PoolYes
Pool FeaturesIn Ground, Electric Heat, Screen Enclosure
Is WaterfrontYes

School Information

Community Information

Address3500 Joe Ashton Road, St. Augustine, FL 32092
Area309-World Golf Village Area-West
Subdivision**verifying Subd**
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size262,666.8 sq ft
Parcel Number0131200000

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking, Attached, Attached Carport, Carport, Circular Driveway, Gated
ViewPond
Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s), Wet Bar
AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceNo
# of Fireplaces0
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup
Spa FeaturesIn Ground, Heated

Exterior

Exterior FeaturesDock, Fire Pit
Lot DescriptionMany Trees, Wooded
Patio / PorchDeck, Rear Porch, Screened
FencingFenced
RoofShingle
ConstructionComposition Siding
Other StructuresWorkshop
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedOctober 2, 2026
Days on Market1
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

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

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20+ years · 500+ closings · NE Florida

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