This home is in St. Augustine — a home near Tocoi Creek High School.
Active·1 day on market
437 Fort Drum Court
St. Augustine, FL 32092
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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
GREAT OPPORTUNITY IN HERITAGE LANDING! A 2.99% ASSUMABLE LOAN + A BEAUTIFULLY UPDATED HOME! Investors and families, take notice! This is an opportunity you won't want to miss. Located on a beautiful, tree-lined street in the desirable Heritage Landing community, this updated home combines generous living spaces, an incredible backyard, and the potential to assume an existing mortgage at an attractive 2.99% interest rate, subject to lender approval and qualification. Strategically priced below appraised value to attract attention and encourage a quick sale! Step inside to discover an inviting, open layout featuring soaring vaulted ceilings, tall windows, updated lighting, and spacious areas designed for comfortable everyday living and effortless entertaining. The gourmet kitchen is the heart of the home, featuring an oversized island, walk-in pantry, and Samsung touchscreen refrigerator. Large living room, complete with a cozy corner fireplace, offers the perfect place to gather!
Next steps in World Golf Village
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 — 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: material not specified — year not disclosed (home built 2008)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,749 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, league fields and grocery store from this home's location.
Closest beach parking
South Ponte Vedra Recreation Areaabout 13 mi · 24 parking spaces
Closest park or preserve
Gourd Island Conservation Areaabout 8 mi · 3.3 mi of trails
Closest public boat ramp
Palmo Cove Public Boat Rampabout 2 mi · St. Johns River - Palmo Cove
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 6 mi · Saint Johns River
Closest youth league fields
Pacetti Bay School Fieldsabout 2 mi · Baseball
Closest grocery store
Publixabout 2 mi · 84 Tuscan Way, Saint Augustine
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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:33 AM, sunset 6:47 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
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): $7,686/yr
Estimated taxes if purchased at asking price: ~$7,100/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 22, 2026Listed$445,000
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 $223/sq ft; this home is listed at $189/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2748 Spinnerbait Court, St. Augustine, FL 32092Listed by WATSON REALTY CORP | Aug 2026 | $390,000 | $211 | 3/2 | 1,850 | 2 | 0.1 |
| 2927 Castnet Court, St. Augustine, FL 32092Listed by WATSON REALTY CORP | Oct 2026 | $310,000 | $168 | 3/2 | 1,850 | 21 | 0.3 |
| 2781 Oakgrove Avenue, St. Johns, FL 32092Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Oct 2026 | $630,000 | $228 | 3/3 | 2,767 | 85 | 0.7 |
| 4908 Two Jakes Court, St. Augustine, FL 32092Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $683,000 | $252 | 3/3 | 2,711 | 25 | 0.8 |
| 324 Silver Glen Avenue, St. Augustine, FL 32092Listed by FLUID REALTY, LLC. | Sep 2026 | $362,500 | $136 | 4/2.5 | 2,668 | 7 | 0.8 |
| 4232 S Franklinia Street, St. Augustine, FL 32092Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY | Aug 2026 | $629,900 | $223 | 4/3 | 2,823 | 57 | 0.8 |
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: ERA ONETEAM 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.
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines