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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 Markland, St. Augustine — a gated community home in St. Johns County.

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Active

Active·5 days on market·Markland

184 Kirkside Avenue

St. Augustine, FL 32095

$949,900$313/sqftEst. $5,220/mo mortgageMLS# 2170052
4
Beds
3
Baths
3,033
Sq Ft
2019
Built
3
Garage
No
Pool

8 more homes for sale in Markland →Search Markland on the map

FEMA Zone XHOA $10/mo15,246 sqft lotWaterfrontSingle Family Residence1 story

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About this home

Markland

Some homes are admired. This one is felt. West-facing on the lake in gated Markland, with over a third of an acre and an unobstructed line of sight to every sunset, this is the kind of address that stops the search. Cornerstone built it in 2019 to a standard that still shows. The French Provincial exterior announces itself quietly: steep multi-pitched rooflines, tall arched windows, board-and-batten shutters, a standing-seam metal portico, and double glass doors that open to a great room where the lake is simply there, framed by a wall of triple sliders with electric shades, anchored by a fireplace with a white mantel and tiled surround. The kitchen was built for people who actually gather. An oversized shiplap island at the center, white shaker cabinetry with glass-front uppers, tile backsplash, a professional Wolf gas range, Frigidaire Professional built-in refrigerator, built-in microwave, beverage fridge, and a walk-in pantry.

Next steps in Markland

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$5,220
Property taxesest. at asking price, St. Johns County$1,264
HOAbilled annually$10
Estimated total, before insurance$6,495/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,592/yr · $966/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

$949,900
$189,980
Loan Term
Monthly Payment
$5,220
Principal & Interest: $5,220
Property taxes (est.): $1,264
Insurance (est.): $633
Estimated Total Monthly
$7,117
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,720 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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

YearMarket valueTaxable valueChange
2025$699,350$446,613—
2024$654,558$433,319—
2023$617,762$419,242—
2022$565,420$405,575—
2021$499,291$392,306—
2020$436,199$386,199—

2025 property taxes (current owner): $11,592/yr

Estimated taxes if purchased at asking price: ~$15,200/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 (2025), NEFMLS.

History

Price & status history

  • Oct 20, 2026Listed$949,900

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 $242/sq ft; this home is listed at $313/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
284 Latrobe Avenue, St. Johns, FL 32095Listed by EPIQUE REALTY, INCJul 2026$645,000$2424/32,660170.1
307 Kirkside Avenue, St. Augustine, FL 32095Listed by EPIQUE REALTY, INCJun 2026$660,000$2334/32,829890.1
69 Fremont Avenue, Jacksonville, FL 32095Listed by WATSON REALTY CORPOct 2026$740,000$2465/33,006120.2
221 Westcott Parkway, St. Augustine, FL 32095Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$975,000$3214/33,039100.2
316 Renwick Parkway, St. Johns, FL 32095Listed by EPIQUE REALTY, INCJun 2026$705,000$2245/43,154640.2
44 Fremont Avenue, St. Augustine, FL 32095Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEJun 2026$538,999$2233/2.52,412110.2

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

Price$949,900
Price / Sq Ft$313
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage3,033
Acres0.35 acres
Year Built2019
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontYes
Gated CommunityYes

School Information

Zoned elementaryMill Creek Academy
Zoned middleMill Creek Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryMill Creek Academy
Reported middleMill Creek Academy
Reported highTocoi Creek
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address184 Kirkside Avenue, St. Augustine, FL 32095
Area307-World Golf Village Area-SE
SubdivisionMarkland
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Lot Size15,246 sq ft
Parcel Number0270712110
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Elevator(s), Fitness Center, Gated, Pickleball, Playground, Tennis Court(s)
Community FeaturesGated
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewLake
Waterfront TypeLake Front

Interior

Interior FeaturesCeiling Fan(s), His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryIn Unit, Sink
SecuritySecurity Gate

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchRear Porch, Screened
RoofShingle
ConstructionStucco
Road SurfacePaved

Additional Information

Date ListedOctober 20, 2026
Days on Market0
HOA Fees$125 / Annually
HOA FrequencyAnnually
Tax Amount$11,592.1
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE

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 Markland

Markland is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32095.

View all Markland 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.

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20+ years · 500+ closings · NE Florida

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