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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 home near St. Augustine High School.

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Active·Listed today

2021 Deerwood Acres Drive

St. Augustine, FL 32084

$499,499$290/sqftEst. $2,734/moMLS# 2167904
Open house Sat, Oct 10 · 11:00 am–2:00 pm
3
Beds
2
Baths
1,725
Sq Ft
1988
Built
2
Garage
No
Pool
No HOA1.07 acresSingle Family Residence1 story

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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

St. Augustine

***OPEN HOUSE, THIS SATURDAY, OCTOBER 10TH FROM 11 AM TO 2 PM AND SUNDAY, OCTOBER 11TH FROM 12 PM TO 3 PM***Privacy, space, and over an acre in St. Augustine — a combination that is getting harder to find. This home offers approximately 1,600 square feet of living area under air, plus an additional 125-square-foot Florida room with its own dedicated A/C system, bringing the total conditioned space to approximately 1,725 square feet. Tucked away in a peaceful setting, this unique property offers room to spread out, hardwood floors, valuable updates, and two detached outbuildings that add even more flexibility. Several major improvements have already been completed, including a new roof in October 2025, new A/C, new water heater, an upgraded electrical panel, and a whole-home Generac generator for added peace of mind.

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$2,734
Property taxesest. at asking price, St. Johns County$665
Estimated total, before insurance$3,399/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

$499,499
$99,900
Loan Term
Monthly Payment
$2,734
Principal & Interest: $2,734
Property taxes (est.): $665
Insurance (est.): $333
Estimated Total Monthly
$3,732
*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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1988)

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

Solar potential: ~1,554 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

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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:22 AM, sunset 7:05 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $334/yr

Estimated taxes if purchased at asking price: ~$8,000/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

  • Oct 5, 2026Listed$499,499

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

Features

Price$499,499
Price / Sq Ft$290
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,725
Total Structure Area2,128 sq ft
Acres1.07 acres
Year Built1988
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesEast

School Information

ElementaryWebster
MiddleMurray

Community Information

Address2021 Deerwood Acres Drive, St. Augustine, FL 32084
Area337-Old Moultrie Rd/Wildwood
SubdivisionDeerwood Acres
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size46,609.2 sq ft
Parcel Number1011950010
ZoningResidential

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking, Garage

Interior

Interior FeaturesCeiling Fan(s), Pantry
AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Microwave, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Wood
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchFront Porch, Screened
RoofShingle
ConstructionConcrete, Wood Siding
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 5, 2026
Days on Market0
Tax Amount$334
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ENDLESS SUMMER 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.

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.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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