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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$335,000

948 OAK ARBOR Circle, St. Augustine, FL 32084

Heritage Park

Price
$335,000
Beds / Baths
3 / 2
Living area
1,479 sqft
Year built
2004
Type
Residential
Lot
Garage
2
HOA
$87/mo
CDD
Yes
Flood zone
Unknown
County
St. Johns
Days on market
54

Welcome to 948 Oak Arbor Circle, a beautifully block maintained 3-bedroom, 2-bath home in the heart of St. Augustine. Back on the market due to unforeseen circumstances beyond the buyers control. This move-in ready home features an open floor plan with vaulted ceilings, luxury vinyl plank flooring, abundant natural light, and spacious living and dining areas perfect for everyday living and entertaining. The kitchen overlooks the main living space and offers ample cabinetry, generous counter space, and a functional layout. The oversized primary suite includes a walk-in closet and private bath with dual vanities and a large walk-in shower. Relax year-round on the screened lanai overlooking the fully fenced backyard with plenty of room for pets, play, and outdoor gatherings. Major updates include a roof 6 yrs old and HVAC system just serviced 8 years old. Brand New Hot Water Heater! Conveniently located near shopping, dining, schools, beaches, historic downtown St. Augustine, and I-95. A must-see! Seller motovated!

What to check on this one

  • Verify exact flood zone designation and elevation certificate requirement
  • Confirm CDD bond payoff amount and remaining assessment term
  • Review HOA rules on rental restrictions and lease transfer policies
  • Get roof inspection report; confirm 6-year-old roof meets insurer standards
  • Verify HVAC service records; unit is now 8 years old, plan replacement timeline
  • Inspect plumbing materials; 2004 build may have polybutylene lines

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$1,738/mo
Property tax (1.1% eff., St. Johns Co.)$307/mo
Homeowners insurance (est.)$292/mo
HOA$87/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$2,591/mo

Loan $268,000 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 EXP REALTY, LLC. Data via realMLS (Northeast Florida MLS), updated Aug 17, 2026, 12:15 AM.

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.