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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 Beach — a waterfront home in St. Johns County.

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Active

Active·1 day on market

897 Ocean Jasper Drive

St. Augustine Beach, FL 32086

$634,900$259/sqftEst. $3,489/mo mortgageMLS# 2170894
4
Beds
3
Baths
2,455
Sq Ft
2022
Built
2
Garage
Yes
Pool
FEMA Zone AEHOA $60/mo10,019 sqft lotWaterfrontSingle Family Residence1 story

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About this home

St. Augustine Beach

This beautiful 4 bedroom/3 bath with office, concrete block, pool home is only a 6 minute drive to the beach and is full of upgraded, custom features! Relax in your own salt water pool with sundeck, waterfall, LED lighting, and seating with jets, in the travertine tiled patio with huge screen enclosure featuring panoramic ultra view design. The upgraded, custom landscaping creates a lush, tropical paradise in the fenced in backyard overlooking a peaceful lake. The open floorplan creates a comfortable living space accented by a stunning 72 inch electric fireplace. The custom kitchen boasts plenty of upgraded soft-close kitchen cabinets, extended island with microwave drawer, quartz countertops, extended sinks with dual faucets, coffee bar, and extended pantry. The triple sliding glass door makes it easy to enjoy the stunning pool and tranquil lake views! The garage is the size of a 3 car garage with its 2 car garage plus bonus bay that could be used for storage, workshop, or excercise

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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$3,489
Property taxesest. at asking price, St. Johns County$845
HOAbilled semi-annually$60
Estimated total, before insurance$4,393/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,430/yr · $536/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

$634,900
$126,980
Loan Term
Monthly Payment
$3,489
Principal & Interest: $3,489
Property taxes (est.): $845
Insurance (est.): $423
Estimated Total Monthly
$4,757
*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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2022)

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

Solar potential: ~1,734 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

2025 property taxes (current owner): $6,430/yr

Estimated taxes if purchased at asking price: ~$10,100/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 26, 2026Listed$634,900

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 $241/sq ft; this home is listed at $259/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
939 Ocean Jasper Drive, St. Augustine, FL 32086Listed by WATSON REALTY CORPAug 2025$498,500$2413/22,0661830
135 Sunstone Court, St. Augustine, FL 32086Listed by LANDBRIDGE REALTY GROUP LLCMar 2026$525,000$2213/32,3741720.1
71 Gypsum Place, St. Augustine, FL 32086Listed by THE NEWCOMER GROUPFeb 2026$540,000$2294/3.52,36180.1
84 Pyrite Place, St. Augustine, FL 32086Listed by THE NEWCOMER GROUPJan 2026$675,000$2414/3.52,798130.1
85 Pyrite Place, St. Augustine, FL 32086Listed by DOGWOOD REALTYDec 2025$582,500$2334/3.52,5052060.1
105 Gypsum Place, St. Augustine, FL 32086Listed by RE/MAX SPECIALISTSAug 2026$705,000$2524/3.52,798830.2

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$634,900
Price / Sq Ft$259
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,455
Acres0.23 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Fenced, Salt Water, Screen Enclosure, Waterfall
Is WaterfrontYes

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementarySouth Woods
Reported middleGamble Rogers
Reported highPedro Menendez
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address897 Ocean Jasper Drive, St. Augustine Beach, FL 32086
Area333-St Johns County-SE
SubdivisionRock Springs Farms
CitySt. Augustine Beach
CountySt. Johns
StateFL
Zip Code32086
Lot Size10,018.8 sq ft
Parcel Number1859211520

Amenities

AmenitiesPool
UtilitiesCable Available, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewLake, Pool
Waterfront TypeLake Front, Pond

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchPatio, Screened
FencingFenced, Back Yard, Privacy, Vinyl, Wrought Iron
RoofShingle
ConstructionBlock, Concrete
Road SurfacePaved

Additional Information

Date ListedOctober 26, 2026
Days on Market1
HOA Fees$357 / Semi-Annually
HOA FrequencySemi-Annually
Tax Amount$6,429.99
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WE GIVE REALTY, LLC

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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