25 days on marketSingle Family Residence▼ Price cut: $10,900 (9/11)
$355,000
3-Bedroom Home in Meadows At St Johns
405 Mackenzie Circle, St. Augustine, FL 32092
Single Family Residence in Meadows At St Johns, St. Augustine · No CDD
Meadows At St Johns · St. Augustine, FL 32092 · St. Johns
Listing data updated September 17, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,425Sq Ft
2003Year Built
$249Per Sq Ft
2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
23% above
$/sq ft vs community
$249 here vs $203 median sold (12 mo)
Buyer leverage
Seller-leaning
25 days on market
3.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~17 ft elevation
$2k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 17, 2026, 405 MACKENZIE Circle in Meadows At St Johns, St. Augustine is listed at $355,000 (1,425 sq ft, about $249 per sq ft). That sits within a few percent of Meadows At St Johns's median closed sale of $335,000 over the last 12 months (13 recorded sales). Per square foot it is above the community's recent $203/sq ft by about 23%. It has been 25 days on market. Listing facts: built in 2003, HOA dues of $27/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2003 · 23 yrs
1,425 sq ft of living area
2-car garage
Listed at $355,000 — recent neighborhood median sale price ~$335,000 (nearby sales; deemed reliable, not an appraisal)
25 days on market
HOA $27/mo (per listing)
Momentum Research · Meadows At St Johns
Pricing & the Meadows At St Johns market
How this home is priced against recent nearby sales, and where Meadows At St Johns has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Meadows At St Johns
Each dot is a closed sale since 2002 (365 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 $249/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 37 (cold).
Property timeline
This home’s history
2003BuiltPer public record
Aug 27, 2026First trackedObserved at $365,900
Sep 11, 2026Price cut$355,000
NowActiveCurrently for sale
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
$2,276/mo
Principal & interest $1,844/mo81%
Taxes $254/mo11%
Insurance $150/mo7%
HOA $27/mo1%
$2,276/mo at 20% down, 30-yr @ 6.76% · 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 $3,600/yr ($300/mo)
+$500 more each year
(+14%)
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.
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
52/100
Strongest on: Flood safety (95), Insurance cost (71)
0 limited50100 exceptional
52/100 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 $249/sq ft vs the community 12-month median $203/sq ft.
Affordability40
List price $355,000 vs the community median $335,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~17 ft elevation. Verify the parcel with FEMA.
Insurance cost71
From FEMA Zone X and a 2003 build. Obtain a property-specific quote.
Market liquidity68
Community median 34 days on market, ~3.0 months of supply (12-month record).
Renovation upside26
From a 2003 build and $249/sq ft vs the community median $203/sq ft. Not a condition assessment.
Pricing power51
Recent sales closed at about 97.8% of original asking (~2.2% below). More room below asking generally favors buyers.
Market timing63
Momentum Market Heat is 37/100 (cold). 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. 3.0 months of supply in the surrounding market and 25 days on market for this home, against a 34-day area median.Days on market:this home 25Area median: 34 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 September 16, 2026.
🟡 Asking $249 per square foot, about 23% above the community’s $203 median. Meadows At St Johns’s 12-month median sold price per square foot is $203. Median sold price per square foot is down 2.9% year over year. Confidence: Medium · 13 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.
62% of homes in Meadows At St Johns are owner-occupied. An estimated 38% are non-owner-occupied, including 22% held in a company or trust and 24% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 323 homes matched. Community-level context.
Recent Meadows At St Johns sales closed near 97.8% of original asking.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 September 16, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3 active listings in Meadows At St Johns, no CDD assessment.
Updated September 17, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to 405 Mackenzie Circle, a beautifully updated pond-view home in The Meadows at World Golf Village in St. Augustine, Florida. This single-story residence offers 3 bedrooms, 2 full bathrooms, 1,425 square feet of living space, and an attached two-car garage.
Step inside to an inviting layout with vaulted ceilings, luxury vinyl plank flooring, upgraded baseboards, and a warm wood-burning fireplace framed by a stylish wood accent wall and mantel. The formal dining area provides a comfortable setting for meals and gatherings, while the eat-in kitchen features granite countertops, painted cabinetry, a pantry, and custom drawer organizers with soft-close details. The split-bedroom floor plan adds privacy throughout the home.
The primary suite includes a walk-in closet and a spacious bathroom with a separate shower and soaking tub. Built-in closet shelving provides added organization in the bedrooms Outside, the fully fenced backyard creates a peaceful place to relax, entertain, or enjoy the Florida sunshine. The patio overlooks a scenic pond, offering a calm natural backdrop with open views.
Additional highlights include a roof replaced in 2018, an updated garage door opener, and useful storage shelving in the garage. The Meadows at World Golf Village is known for its quiet setting and eight scenic ponds. The community is next to the Guana Tolomato Matanzas National Estuarine Research Reserve and offers convenient access to St.
Johns County schools, parks, nature trails, championship golf courses, shopping, restaurants, and everyday services. Murabella Plaza, Costco, World Golf Village, and I-95 are nearby, while historic downtown St. Augustine and the area's beautiful beaches are an easy drive away.
Discover comfort, attractive updates, pond views, and a convenient St. Augustine location at 405 Mackenzie Circle. Property is being sold strictly as-is.
Seller will make no repairs and will not offer credits or concessions for any inspection-related items. Inspections are for the buyer's information only. Buyer may conduct inspections and retains the right to cancel during the inspection period in accordance with the contract.
The information provided in this listing is the best of the seller's/ Listing agent knowledge and cannot be exclusively relied on by buyer. Buyer must independently verify all information about the property. "Seller never occupied.
Neither the seller or listing agent make any representations as to the accuracy of any information contained herein. Buyer/buyer agent must conduct their own due diligence, verifications, research and inspections and are relying solely on the results thereof." Some images in this listing have been virtually staged.
All 36 photos
Description provided by INTEGRITY KEY REALTY LLC 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$355,000
Bed / bath3 / 2
Living area1,425 sq ft
Year built2003
Property typeSingle Family Residence
Garage2-car
MLS #2162027
Listing status25 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~17 ft
Windstorm exposureModerate
CountySt. Johns
Area listings3 active · 2 under contract
Estimated first-year tax~$3,053/yr
CDD assessmentNone on record
HOA (per listing)$27/mo
Calculated estimates
Price per sq ft$249
Estimated monthly payment$2,276
Insurance (illustrative)$2k–$2k/yr
Comparable-sales median$335,000
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.
$255,075the mess$323,475
Actual list price: $355,000 — 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 — this home carries HOA dues of $27/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 25 days on market vs. a 34-day community median
3 active listings competing, 2 under contract
≈3.0 months of supply
12 closed here in the last 12 months
For reference, this home is listed at $355,000 ($249/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: 1,425 sq ft × $179–$227/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 17, 2026.
Keep looking
Similar homes for sale near Meadows At St Johns
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 $355,000Momentum Realty · on market 25 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.)
~$3,053/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)
$2k–$2k/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
$27/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
~17 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.
Seen enough photos?
Want to see 405 MACKENZIE Circle?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by INTEGRITY KEY REALTY LLC · MLS # 2162027
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Market data · public records
Recent sales activity in Meadows At St Johns
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 Meadows At St Johns neighborhood guide for more.
Comparable sales found
3
Recent nearby closings in the data set.
Community median sale price
$335,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$203
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Meadows At St Johns
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.
Jul 2026 · Infrastructure
CR 210 widening westbound lanes set to reopen in St. Johns County
News4Jax reported that all westbound lanes of the County Road 210 widening project in St. Johns County were expected to reopen by the end of Friday, July 31, 2026, ahead of the August 10 school year start. The county said it is managing 44 active road projects totaling $183.1 million this year.
Why it matters: Expands roadway capacity on a major county corridor, improving traffic flow and supporting continued growth along the CR 210 area. The project is about 9 miles north of The Meadows At World Golf Village, elsewhere in St. Johns County.
Six agricultural enclave projects seek to develop 6,500-plus acres in St. Johns County
Jacksonville Today reported that St. Johns County received six proposals totaling more than 6,558 acres for development under a new Florida agricultural enclave law that took effect July 1, 2026. The largest proposal, about 4,462 acres north of Nocatee, comes from the Davis family and the PARC Group. The County Commission scheduled a public hearing on the proposals for August 19, 2026.
Why it matters: Signals a large potential expansion of developable land and future housing and commercial capacity, using a new state process that can convert farmland to residential and commercial use with reduced local review. The project is about 9 miles northeast of The Meadows At World Golf Village, elsewhere in St. Johns County.
Publix opens and more retailers coming to Marketplace at Nocatee
An official Nocatee business update reported that a Publix supermarket with a pharmacy drive-thru and adjacent Publix Liquors has opened at Marketplace at Nocatee. Additional announced tenants include SoFresh in late summer 2026, a Gate gas station, BODYBAR Pilates, a nail spa and a wine and spirits shop. The Hub at Nocatee entertainment concept is slated for 2028.
Why it matters: Expands grocery, dining and everyday retail capacity at a growing town center, adding anchor and service tenants that build out the commercial base of the area. The project is about 10 miles northeast of The Meadows At World Golf Village, elsewhere in St. Johns County.
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
Why it matters: New limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 15 miles west of The Meadows At World Golf Village.
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.
School zoningThis address is in the St. Johns County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jun 2026
$220,100
1134 ARDMORE Street, St. Augustine
3 / 2 bd/ba · 1,674 sq ft · $131/sq ft
Courtesy of UNITED REAL ESTATE GALLERY · View details →
Sold Aug 2026
$345,000
673 MACKENZIE Circle, St. Augustine
3 / 2 bd/ba · 1,716 sq ft · $201/sq ft
Courtesy of REMAX WELCOME HOME · View details →
Sold Dec 2025
$350,000
1217 MACLAREN Street, St. Augustine
4 / 2 bd/ba · 1,781 sq ft · $197/sq ft
Courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · View details →
Community 12-month median: $203/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
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$1,627 – $2,367/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$696 – −$30At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 405 MACKENZIE Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2003 (23 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $27/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,425 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,053/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 17, 2026)
Community market stats
realMLS closed sales, as of September 16, 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
How big is 405 MACKENZIE Circle and when was it built?
Per the listing record, 405 MACKENZIE Circle was built in 2003 and has 1,425 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 405 MACKENZIE Circle in?
405 MACKENZIE Circle is in Meadows At St Johns in St. Augustine, St. Johns County. The community section on this page shows recent closed sales, days on market, and active inventory for Meadows At St Johns from the same MLS data.
Does 405 MACKENZIE Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $27 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 405 MACKENZIE Circle differ from the current owner's?
The estimate on this page (about $3,053 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 405 MACKENZIE Circle in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; 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 405 MACKENZIE Circle 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.
