$399,000
124 PENNY BROOKE Lane, St. Augustine, FL 32092, St. Augustine, FL 32092
Palmo
- Price
- $399,000
- Beds / Baths
- 3 / 2
- Living area
- 1,872 sqft
- Year built
- 1996
- Type
- Residential
- Lot
- 0.51 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- St. Johns
- Days on market
- 12
- Elementary
- Mill Creek Academy
- Middle
- Mill Creek Academy
- High school
- Tocoi Creek
$213/sqft asking, vs a $205/sqft median across 2,774 closed sales in 32092 over the last 12 months — 4% above the area's closed prices. Condition and lot vary; that's what a showing is for.
**ARV 600k+**PRIVATE RIVER CABIN**DEEP WATER ACCESS** Uncover a waterfront gem with this private river cabin retreat, ready for your finishing touches! With an ARV of $600k+, this incredible property is built for instant equity and long-term value. A one of a kind property that boasts the true outdoor Florida lifestyle, it features DEEP WATER ACCESS surrounded by PROTECTED PRESERVE with direct access to the St. Johns River. Perfect for all water enthusiasts, the boat dock is 20ft deep and used to house a 45 ft troller. Enjoy a wrap around porch, plus an extra screened porch with electric, an OUTDOOR KITCHEN, and a bar. Inside, a bright open floor plan with 3 beds/2 baths highlights gorgeous vaulted ceilings, a BONUS ROOM, indoor laundry and an expansive kitchen with a gas stove and breakfast bar. The spacious primary bedroom features 2 large closets and private access to the screened porch overlooking the canal. Outside boasts a HUGE FRONT YARD and a massive wo workshop built for ultimate storage, equipment, and hands-on projects! Don't miss this once in a lifetime opportunity!
What to check on this one
- Verify exact flood zone (AE/VE) and obtain elevation certificate for riverfront lot.
- Confirm manufactured home eligibility for financing and insurance at 30 years old.
- Get 4-point inspection report; verify roof age and condition for insurer approval.
- Request dock/mooring permits, riparian rights documentation, and St. Johns River access restrictions.
- Inspect septic system records and confirm deep-water dock structural integrity and compliance.
- Review any HOA/preserve deed restrictions affecting waterfront use and modifications.
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 $319,200 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 CHAD AND SANDY REAL ESTATE GROUP. Data via realMLS (Northeast Florida MLS), updated Aug 20, 2026, 7:20 PM.
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