Single Family Residence in Pacetti, St. Augustine · No CDD on record
Pacetti · St. Augustine, FL 32092 · St. Johns County
Listing data updated October 1, 2026 · refreshed hourly
3Bedrooms
2Bathrooms
2,592Sq Ft
1988Year Built
$873Per Sq Ft
1-car garageNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Buyer leverage
Strong seller market
471 days on market
No active listings
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~27 ft elevation
$10k–$21k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 1, 2026, 4430 State Road 16 in Pacetti, St. Augustine is listed at $2,263,500 (2,592 sq ft, about $873 per sq ft). It has been 471 days on market. Listing facts: built in 1988, no HOA. 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 1988 · 38 yrs
2,592 sq ft of living area
1-car garage
471 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
This rare 5.03-acre opportunity is located just 5 miles from the St. Augustine Premium Outlets and conveniently positioned between historic Downtown St. Augustine and the rapidly developing St.
Johns area, this property offers the best of privacy and accessibility. The land is mostly cleared and zoned Open Rural (OR), allowing for both residential and limited commercial uses—ideal for those looking to create a homestead, hobby farm, or small business. Don't miss your chance to own a unique slice of Northeast Florida with endless potential.
All 9 photos
Description provided by KELLER WILLIAMS ST JOHNS and reproduced from the MLS; not independently verified.
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$2,263,500
Bed / bath3 / 2
Living area2,592 sq ft
Year built1988
Property typeSingle Family Residence
Garage1-car
MLS #2093497
Listing status471 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~27 ft
CountySt. Johns
Area listings0 active · 1 under contract
Estimated first-year tax~$29,825/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$873
Estimated monthly payment$15,765
Insurance (illustrative)$10k–$21k/yr
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
Financing
Estimated monthly payment
$15,765/mo
Principal & interest $12,084/mo77%
Taxes $2,485/mo16%
Insurance $1,196/mo8%
$15,765/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × St. Johns County rate (13.47 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $1,375/yr ($115/mo) — taxable value $101,188 × 13.47 mills
$28,450 more each year
(+2069%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$315,044
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.
$416,232
Market value
$151,910
Assessed
$101,188
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), realMLS; millage: St. Johns County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
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.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$10k–$21k/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
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
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
~27 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
St. Johns County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for St. Johns County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtRelatively Low
HailVery Low
Cold waveVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Property timeline
This home’s history
1988BuiltPer public record
About Jun 2025Listed (per MLS)MLS reports 471 cumulative days on market as of October 1, 2026
Jul 10, 2026First seen on movewithmomentum.comObserved at $2,263,500
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Transparency
Price & listing history
Listed for $2,263,500Momentum Realty · on market 471 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
No closed sales of a similar home within about 10 miles in St. Johns County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Pacetti. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
The Messtimate™
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in St. Johns County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.
Methodology: the range would be 2,592 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 1, 2026.
Momentum Research
The Momentum read
43% of homes in Pacetti are owner-occupied. An estimated 57% are non-owner-occupied, including 26% held in a company or trust and 4% 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), 224 homes matched. Community-level context.
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by KELLER WILLIAMS ST JOHNS · MLS # 2093497
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Keep looking
Similar homes for sale near Pacetti
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.
257 Pepperpike Way, St. Augustine · $368,500 · 4 bd / 2.0 ba · listed October 1, 2026 (courtesy of DOCTORS LAKE REALTY)
472 Hutchinson Lane, St. Augustine · $695,000 · 4 bd / 3.0 ba · listed October 1, 2026 (courtesy of BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY)
151 Tesoro Terrace, St. Augustine · $881,686 · 4 bd / 3.5 ba · listed October 1, 2026 (courtesy of GPS REALTY LLC)
405 Flagler Boulevard #2B, St. Augustine · $215,000 · 1 bd / 1.0 ba · listed September 30, 2026 (courtesy of STA REALTY)
240 Cervantes Avenue, St. Augustine · $395,000 · 3 bd / 2.0 ba · listed September 30, 2026 (courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE)
175 Alava Court, St. Augustine · $569,000 · 4 bd / 2.0 ba · listed September 30, 2026 (courtesy of TORTOISE REALTY LLC)
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 13 miles north of Pacetti, 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 13 miles northeast of Pacetti, 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 14 miles north of Pacetti, 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 16 miles northwest of Pacetti.
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.
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.
Items worth confirming for 4430 State Road 16, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1988 (38 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
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 2,592 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 $29,825/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $28,450 more per year than the current owner’s estimated bill (+2069%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
realMLS, refreshed hourly (last: October 1, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in St. Johns County — no medians or automated estimate shown
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
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 4430 State Road 16 and when was it built?
Per the listing record, 4430 State Road 16 was built in 1988 and has 2,592 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 4430 State Road 16 in?
4430 State Road 16 is in Pacetti in St. Augustine, St. Johns County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 4430 State Road 16 have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 4430 State Road 16 differ from the current owner's?
The estimate on this page (about $29,825 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $28,450 more per year than the current owner’s estimated bill (+2069%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 4430 State Road 16 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 4430 STATE ROAD 16 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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
