Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$239,500

20 RED HOUSE Circle, St. Augustine, FL 32084, St. Augustine, FL 32084

Whispering Creek

Price
$239,500
Beds / Baths
3 / 3
Living area
1,337 sqft
Year built
2022
Type
Townhouse
Lot
0.05 ac
Garage
0
HOA
$94/mo
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
133

$179/sqft asking, vs a $206/sqft median across 103 closed sales in 32084 over the last 12 months — 13% below the area's closed prices. Condition and lot vary; that's what a showing is for.

BACK ON MARKET!!! SELLER MOTIVATED!!! Buyer Financing Fell through, Inspection Contingency Completed with Report by True Inspections, Dan Fryer Owner and Cooperating Professional Member of NEFAR Association! Beautiful St. Augustine Townhome with Smart Features along with Energy Star Double Paned Windows and Sliding Door. 3 Bedrooms and 2 full baths upstairs along with 1/2 Bath for convenience downstairs. Granite Island in Kitchen with bar stools as well as dining area off kitchen provides ample space for family and entertaining. End Unit allows for More Natural Light and with Open Concept makes this Townhome turnkey and convenient.

What to check on this one

  • Confirm exact flood zone designation and obtain elevation certificate if in AE/VE.
  • Review HOA documents for rental restrictions and approval process.
  • Verify roof warranty remaining and confirm no insurance red flags.
  • Request complete True Inspections report from prior buyer.
  • Confirm all smart home features transfer and obtain documentation.
  • Verify property tax assessment and HOA fee payment history.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$1,243/mo
Property tax (1.1% eff., St. Johns Co.)$220/mo
Homeowners insurance (est.)$292/mo
HOA$94/mo
All-in monthly (est.)$1,849/mo

Loan $191,600 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of NEFLA NETWORK REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 25, 2026, 4:50 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.