This home is in Marsh Creek, St. Augustine — a pool home in St. Johns County.
Active·1 day on market·Marsh Creek
109 Marshside Drive
St. Augustine, FL 32080
7 more homes for sale in Marsh Creek →Search Marsh Creek on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Marsh Creek
Luxury Living with Breathtaking Golf Course & Lake Views in Marsh Creek Country Club! Welcome to this absolutely stunning, completely remodeled 4-bedroom, 3.5-bathroom home nestled in the highly desirable Marsh Creek Country Club community! Offering breathtaking views of the golf course, lake, and marsh, this one-of-a-kind property perfectly blends luxury, comfort, and Florida living at its finest. From the moment you step inside, you'll be captivated by the beautiful finishes, tile flooring throughout, and bright, spacious open-concept layout. The gorgeous, completely remodeled kitchen is truly the heart of the home, featuring an expansive design that flows seamlessly into the oversized living room. Soaring windows flood the space with natural light while showcasing beautiful views of the screened-in pool and surrounding landscape. Perfect for entertaining, the home also features a fabulous wet bar complete with an ice machine, wine refrigerator, and sink!
Next steps in Marsh Creek
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
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 1995)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,825 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach access
Ocean Hammockabout 0.5 mi
Closest park or preserve
Anastasia State Park10 min drive · 0.7 mi of trails
Closest public boat ramp
Moultrie Creek Boat Rampabout 2 mi · Moutrie Creek
Closest kayak & paddleboard launch
Moultrie Bluffs – Lewis Point Park – Paddlecraft Accessabout 2 mi · Moultrie Creek
Closest youth league fields
Frank Butler Beachfront Park East17 min drive · Soccer
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2026 property taxes (current owner): $928/yr
Estimated taxes if purchased at asking price: ~$19,100/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 16, 2026Listed$1,199,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $455/sq ft; this home is listed at $333/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 428 Marsh Point Circle, St. Augustine, FL 32080Listed by ENDLESS SUMMER REALTY | Oct 2025 | $805,000 | $311 | 4/2.5 | 2,589 | 1 | 0.1 |
| 365 Marsh Point Circle, St. Augustine, FL 32080Listed by COLDWELL BANKER PREMIER PROPERTIES | Sep 2026 | $1,075,000 | $340 | 4/3.5 | 3,164 | 7 | 0.4 |
| 473 Ocean Forest Drive, St. Augustine Beach, FL 32080Listed by ENGEL & VOLKERS ST AUGUSTINE | Jul 2026 | $1,700,000 | $463 | 4/4 | 3,669 | 70 | 0.4 |
| 912 Sandy Beach Circle, St. Augustine, FL 32080Listed by ENGEL & VOLKERS ST AUGUSTINE | Aug 2026 | $1,440,000 | $410 | 4/3 | 3,510 | 10 | 0.5 |
| 705 Ocean Gate Lane, St. Augustine Beach, FL 32080Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jun 2026 | $1,400,000 | $525 | 4/3 | 2,665 | 5 | 0.5 |
| 30 Bermuda Run Way, St. Augustine Beach, FL 32080Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jun 2026 | $1,300,000 | $455 | 4/3 | 2,860 | 148 | 0.6 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: LIGHTHOUSE REALTY ASSOCIATES
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 →Keep looking
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Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines