$649,000
4475 N FRANCIS Road, St. Augustine, FL 32095
**verifying Subd**
- Price
- $649,000
- Beds / Baths
- 3 / 2
- Living area
- 1,487 sqft
- Year built
- 1989
- Type
- Residential
- Lot
- 2.27 ac
- Garage
- 6
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- St. Johns
- Days on market
- 100
- Elementary
- Mill Creek Academy
- Middle
- Mill Creek Academy
- High school
- Tocoi Creek
$436/sqft asking, vs a $206/sqft median across 1,018 closed sales in 32095 over the last 12 months — 112% above the area's closed prices. Condition and lot vary; that's what a showing is for.
PRIVACY. ACREAGE. HIDDEN GEM. Welcome to your own private piece of Old Florida paradise at 4475 N Francis Road in beautiful St. Augustine. Nestled beneath majestic oak trees on a spacious homesite and 2.27 ACRES., this beautifully updated property offers the perfect blend of peaceful country living and modern convenience, all less than 5 minutes from I 95. From the moment you arrive, you'll appreciate the privacy, charm, and versatility this property offers. The home features thoughtfully updated interiors, inviting living spaces, and a layout designed for both everyday comfort and entertaining. Step outside and discover your personal retreat complete with a sparkling pool, expansive outdoor space, and endless room to relax, gather, or play. A standout feature of this property is the large detached garage and covered carport, offering incredible flexibility for hobbyists, car enthusiasts, business owners, boat or RV storage, or anyone needing additional workspace and storage.
What to check on this one
- Verify roof age and condition; 1989 home may need inspection for insurer requirements.
- Obtain 4-point inspection and wind-mitigation report for insurance eligibility.
- Confirm flood zone designation and request elevation certificate if in AE/VE.
- Get septic system inspection and pumping history; verify well water quality.
- Review pool maintenance records, equipment age, and liability coverage needs.
- Inspect plumbing material; cast-iron drain lines common in 1989 builds—assess condition.
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
Loan $519,200 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 BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 21, 2026, 6:58 PM.
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