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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$899,000

120 ISTORIA Drive, St. Augustine, FL 32095, St. Augustine, FL 32095

Istoria

Price
$899,000
Beds / Baths
5 / 4
Living area
3,048 sqft
Year built
2006
Type
Residential
Lot
0.24 ac
Garage
3
HOA
$125/mo
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
100
Elementary
Ketterlinus
Middle
Sebastian
High school
St. Augustine

$295/sqft asking, vs a $206/sqft median across 1,018 closed sales in 32095 over the last 12 months — 43% above the area's closed prices. Condition and lot vary; that's what a showing is for.

NEW ROOF installed in 2023! Tucked inside the highly sought-after Key West-style community of Istoria, this Charming pristine 5-bedroom, 3.5-bath coastal retreat delivers the kind of backyard buyers stop scrolling for. From the moment you step outside, it feels like a private resort -- featuring a spool, fully equipped outdoor kitchen, firepit, illuminated pergola, and multiple entertaining spaces designed for unforgettable evenings with family and friends. Inside, the home blends elevated design with everyday functionality across 3,048 square feet. Thoughtfully selected designer light fixtures, spacious living areas, and a flexible floor plan create the perfect setup for entertaining, working from home, or accommodating guests with ease. Every inch of the home has been meticulously maintained, offering true move-in-ready condition. Living in Istoria means embracing the Florida lifestyle at a higher level -- with exclusive community amenities including a private Intracoastal boardwalk, kayak launch, and waterfront picnic area. And just minutes away, historic downtown St. Augustine offers endless restaurants, shopping, live music, boating, and coastal charm. This isn't just a home -- it's the kind of lifestyle people move to Florida for.

What to check on this one

  • Verify roof installation date/warranty with 2023 documentation and roofing contractor details.
  • Obtain flood zone designation from FEMA map; request elevation certificate if in AE/VE zone.
  • Review Istoria HOA docs: CC&Rs, reserve study, rental restrictions, and $125/mo fee breakdown.
  • Confirm pool equipment age, maintenance history, and any outstanding repair/replacement reserves.
  • Request 4-point inspection given 20-year age; verify homeowner's insurance carrier acceptance.

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$4,665/mo
Property tax (1.1% eff., St. Johns Co.)$824/mo
Homeowners insurance (est.)$524/mo
HOA$125/mo
All-in monthly (est.)$6,138/mo

Loan $719,200 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 ROUND TABLE REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 17, 2026, 4:00 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.