Single Family Residence in Marsh Creek, St. Augustine · No CDD
Marsh Creek · St. Augustine, FL 32080 · St. Johns
Listing data updated August 11, 2026 · refreshed twice daily
5Bedrooms
4.5Bathrooms
3,890Sq Ft
2004Year Built
$488Per Sq Ft
WaterfrontPrivate pool3-car garageNo CDDFEMA Zone X5 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
53% above
$/sq ft vs community
$488 here vs $318 median sold (12 mo)
Buyer leverage
Seller-leaning
33 days on market
1.2 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~9 ft elevation
$6k–$14k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 9 of 10
Price vs recent sales
Asking $1.90M tops 9 of the last 10 closed sales; also one of the largest homes here at 3,890 sq ft
Golf course communitySchool district: County St. Johns County Florida Schools St. Johns County SchoolsCommunity built 1983–2004Discount Groceries · 11 min driveVITAS Healthcare · 12 min driveTerra and Acqua · 13 min drive
Momentum Research · Marsh Creek
Pricing & the Marsh Creek market
How this home is priced against recent nearby sales, and where Marsh Creek has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in Marsh Creek
Each dot is a closed sale since 2001 (388 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $488/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 72 (hot).
Property timeline
This home’s history
2004BuiltPer public record
Jul 2, 2026First trackedObserved at $1,899,000
NowUnder contractCurrently pending
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$11,824/mo
Principal & interest $9,622/mo81%
Taxes $1,361/mo12%
Insurance $791/mo7%
HOA $50/mo0%
$11,824/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Estimated from today’s asking price and current St. Johns County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $10,500/yr ($875/mo)
+$14,400 more each year
(+137%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$620,435
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
46/100
Strongest on: Flood safety (90), Market liquidity (90)
0 limited50100 exceptional
46/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $488/sq ft vs the community 12-month median $318/sq ft.
Affordability0
List price $1,899,000 vs the community median $757,500. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~9 ft elevation. Verify the parcel with FEMA.
Insurance cost72
From FEMA Zone X and a 2004 build. Obtain a property-specific quote.
Market liquidity90
Community median 8 days on market, ~1.2 months of supply (12-month record).
Renovation upside24
From a 2004 build and $488/sq ft vs the community median $318/sq ft. Not a condition assessment.
Buyer competition50
50% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power63
Recent sales closed at about 95.5% of original asking (~4.5% below). More room below asking generally favors buyers.
Market timing28
Momentum Market Heat is 72/100 (hot). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 1.2 months of supply in the surrounding market and 33 days on market for this home, against a 8-day area median.Days on market:this home 33Area median: 8 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of August 5, 2026.
🟡 Asking $488 per square foot, about 53% above the community’s $318 median. Marsh Creek’s 12-month median sold price per square foot is $318. Median sold price per square foot is down 0.3% year over year. Confidence: Medium · 11 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Marsh Creek sales closed near 95.5% of original asking. Cash paid for about 50% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending August 5, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: a golf-course community, one of only 1 active listings in Marsh Creek, no CDD assessment.
Updated August 11, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
This is a rare opportunity to own one of the most sought-after floor plans in Marsh Creek. Located on the Intracoastal Waterway, the home offers incredible water views, amazing sunsets, and a setting that is hard to find. Built with concrete block construction and meticulously maintained by the current owners, this home shows pride of ownership throughout.
The layout is ideal for both everyday living and entertaining, with spacious gathering areas and a seamless flow between indoor and outdoor spaces. The backyard is designed to take full advantage of the view, featuring a pool, hot tub, and plenty of space to relax or host family and friends. An oversized three-car garage provides ample storage for vehicles, golf carts, and recreational equipment.
Upstairs, the bonus room with a full bath offers flexible space for guests, a game room, additional home office, or media room. Located in the gated community of Marsh Creek, residents enjoy privacy and security, along with the option to join Marsh Creek Country Club. A variety of membership options are available, offering access to golf, tennis, fitness, dining, and social activities.
From the condition of the home to the views from the backyard, this property offers the best of Florida living.
Description provided by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$1,899,000
Bed / bath5 / 4.5
Living area3,890 sq ft
Year built2004
Property typeSingle Family Residence
Garage3-car
PoolYes
MLS #2148022
Listing statusPending
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~9 ft
Windstorm exposureModerate
CountySt. Johns
Area listings1 active · 1 under contract
Estimated first-year tax~$16,331/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$488
Estimated monthly payment$11,824
Insurance (illustrative)$6k–$14k/yr
Comparable-sales median$757,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$1,089,200the mess$1,384,840
Actual list price: $1,899,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 33 days on market vs. a 8-day community median
1 active listing competing, 1 under contract
≈1.2 months of supply
10 closed here in the last 12 months
For reference, this home is listed at $1,899,000 ($488/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 3,890 sq ft × $280–$356/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 11, 2026.
Keep looking
Similar homes for sale near Marsh Creek
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $1,899,000Momentum Realty · on market 33 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$16,331/yr
A rough first-year estimate only, applying a typical St. Johns rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$6k–$14k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~9 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in Marsh Creek
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Marsh Creek neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$757,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$318
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Marsh Creek
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Infrastructure
FDOT starts $19.9 million A1A seawall replacement in downtown St. Augustine
The Florida Department of Transportation began a $19.9 million project to replace the aging seawall along State Road A1A from the Bridge of Lions to Charlotte Street, with most work staged on a barge in the water. Officials say the existing seawall has reached the end of its service life, and the phased project is targeted for completion in fall 2027 with only limited, rotating pedestrian detours. The upgrade is intended to improve pedestrian mobility and protect the roadway from King Tide flooding.
Why it matters: Long-running coastal protection work on the A1A corridor could periodically affect drive times to downtown for Anastasia Island residents, though crews have signaled most construction stays off the roadway.
St. Johns County Ocean and Fishing Pier closes for piling repairs through November
St. Johns County closed the Ocean and Fishing Pier in St. Augustine Beach starting May 13, 2026 for a project to repair and strengthen the pier pilings, with completion expected by the end of November 2026. The northern St. Augustine Beach access point is closed for the duration, sending beachgoers to the south entrance, and surfers and swimmers must stay 500 feet from the structure. The Pier Gift Shop and nearby Ocean Pier Park activities remain open.
Why it matters: Temporary loss of a marquee beach amenity and its access point may shift parking and foot traffic to other Anastasia Island access points through late 2026.
St. Augustine Beach commission weighs A1A Beach Boulevard trail route and stormwater work
At its May 2026 meeting, the St. Augustine Beach Commission heard heavy public opposition to routing the River to Sea Loop trail along A1A Beach Boulevard, with speakers urging the route be moved to State Road A1A, and agreed to coordinate with St. Johns County. The commission deferred a conditional use request to build a residence on a long-vacant commercial lot at 610 A1A Beach Boulevard to its June meeting after a tie vote, and approved funding to modernize the Linda Mar Subdivision stormwater pump station. Commissioners also reviewed the seasonal Anastasia Island STAR Circulator bus.
Why it matters: Decisions on the A1A Beach Boulevard corridor, transit service and drainage infrastructure could shape mobility and buildout on Anastasia Island over the coming budget cycles.
St. Johns County revises 25-year comprehensive growth plan to satisfy state
The St. Johns County Commission voted 3-2 to transmit a revised 25-year comprehensive plan after the state rejected an earlier version as too restrictive of development under the new SB 180 law. Staff softened language on workforce housing and land conservation, changing terms such as prohibit to discourage, while commissioners promised to revisit the plan if the state law is amended. Another round of planning agency and commission approval was expected around May.
Why it matters: The guidelines that govern long-term land use and conservation across St. Johns County, including Anastasia Island, remain in flux, which historically can influence where and how future projects are permitted.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Discount Groceries 11 min
Dining
Terra and Acqua 13 min
Shopping
Anastasia Plaza 15 min
Parks
Ocean Hammock Park Walkway 17 min
Assigned schools
Assigned schools
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
R. B. HuntAssigned elementary school · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
SebastianAssigned middle school · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
St. AugustineAssigned high school · St. Johns County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$8,704 – $12,660/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.7%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$3,389 – +$171At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: August 11, 2026)
Community market stats
realMLS closed sales, as of August 5, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 170 HERONS NEST Lane in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
