What $400k buys in southern St. Johns County right now: three homes, compared.
Across southern St. Johns County’s neighboring subdivisions, 35 homes are for sale at or under $400k today, at a median of $339,000. The three below are picked by rule, not by anyone’s preference: the most space, the newest, and the best price per square foot, each a different home, compared on the facts the MLS carries. The brief underneath is mine.
By Krista Fracke — Broker Associate, Christie's International Real Estate First Coast · 20+ years in Northeast Florida · 500+ closings · client reviews
The brief
At $400k south of St. Augustine the budget buys a county address a tier below the master plans up the county: a 1970s Shores home on a larger lot with the Service Corporation assessment, a 1960s St. Augustine South block home with no HOA, or a 2020s Entrada or Brookestone build with a small HOA. The three homes below show that spread today, with the tax bill alongside.
The three homes
The most space
$382,500
408 Sawmill Landing Drive, St. Augustine, FL 320864 bd · 3 ba · 2,199 sqft · built 2018
Sawmill Landing →The largest living area at this budget across the ring.
Listed by RE/MAX SPECIALISTS
The newest
$299,900
204 Beach Palm Court, St. Augustine, FL 320863 bd · 2 ba · 1,567 sqft · built 2025
Orchard Park →The most recent build year at this budget, a different home.
Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
The best price per square foot
$200,000
124 Great Star Court, St. Augustine, FL 320862 bd · 2.5 ba · 1,259 sqft · built 2022
Orchard Park →The lowest asking price per square foot of the three, a different home again.
Listed by KELLER WILLIAMS ST JOHNS
| Side by side | The most space | The newest | The best price per square foot |
|---|---|---|---|
| Price | $382,500 | $299,900 | $200,000 |
| Price per sqft | $174 | $191 | $159 |
| Beds / baths | 4 / 3 | 3 / 2 | 2 / 2.5 |
| Living area | 2,199 sqft | 1,567 sqft | 1,259 sqft |
| Year built | 2018 | 2025 | 2022 |
| Lot | 0.16 ac | 0.07 ac | 0.05 ac |
| HOA (reported) | $60/mo | $197/mo | $197/mo |
| FEMA zone | X | X | X |
| Days on market | 96 | 55 | 79 |
| Last tax bill | $4,240 (2025) | $903 (2025) | $3,359 (2025) |
| Subdivision | Sawmill Landing | Orchard Park | Orchard Park |
Live from the MLS, refreshed hourly. HOA as reported by the listing; district (CDD) assessments ride the tax bill and are not in the HOA figure. FEMA zone computed from each home’s coordinates. Listings courtesy of the brokerages named.
What this budget forces you to decide here
Lot and age vs new and small
The Shores and St. Augustine South have the lots and the 1960s-70s roofs; the infill communities have the warranty and the small lot.
Almost no CDDs
The master-plan districts stop north of the city. Down here the bill is an HOA, the Shores assessment, or nothing.
Insurance on an older house
Roof, panel, plumbing and windows decide the quote on a 1970s block home. They belong in the offer.
Newest at or under $400k
- 109 Laurel Wood Way 105, St. Augustine, FL 32086$255,000 · 2 bd · 1,272 sqft · Belle Haven
- 264 Grand Ravine Drive, St. Augustine, FL 32086$339,000 · 3 bd · 1,855 sqft · Grand Ravine
- 64 Silver Fern Drive, St. Augustine Beach, FL 32086$245,000 · 2 bd · 1,259 sqft · Orchard Park
- 398 Madruga Avenue, St. Augustine, FL 32086$354,900 · 3 bd · 1,237 sqft · St Augustine Shores
- 158 Silver Fern Drive, St. Augustine, FL 32086$250,000 · 2 bd · 1,168 sqft · Orchard Park
- 300 Balearics Drive, St. Augustine, FL 32086$360,000 · 3 bd · 1,671 sqft · Villages of Valencia
See it this week
Narrowing it down in southern St. Johns County?
Tell me what you need and I will line up the showings. I pull the flood zone and the true monthly cost on each one before we go.
Call (904) 333-8595 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
This is the work I do every week. Shopping southern St. Johns County at $400k? Tell me what the home has to do for you and I will run this comparison for your shortlist every week, with the district line, the HOA and the flood zone in the same column, until you have the house.
Work with Krista (904) 333-8595 Text
Broker Associate · Christie's International Real Estate First Coast · 20+ years · 500+ closings
Common questions
Is $400k enough to buy in southern St. Johns County?
The live count at the top of this page is the honest answer for today: every home for sale across these neighboring subdivisions at or under $400k, with the median. The three homes below are picked from that set by rule (most space, newest, best price per square foot), so what you see is what the money buys this week, not a brochure.
How are the three homes chosen?
By rule, from every marketable listing in the ring at or under the budget: the largest living area, the newest build year, and the lowest price per square foot, each a different home. The set refreshes with the feed. No home is featured by arrangement and no listing agent is involved in the pick.
Does St. Augustine Shores have a CDD?
No. The Shores is governed by its Service Corporation, which maintains the Riverview Club, the pier and the common areas; the assessment is paid to the association and is not a CDD. The Shores page and the living guide explain it.
Other budgets, other rings
Want southern St. Johns County run at your budget?
Three homes a week, picked by the same rule, with every bill in the same column.
The Southern St. Johns County hub
South of the city: St. Augustine Shores, St. Augustine South, the Old Moultrie fabric, and the SR-207 corridor to Elkton and Hastings, where the county’s value market and its land market meet.
Neighborhoods
SR-207 and the land
What your budget buys