Single Family Residence in Beacon Lake, St. Augustine · No CDD · Built 2023
Beacon Lake · St. Augustine, FL 32095 · St. Johns
Listing data updated September 17, 2026 · refreshed twice daily
3Bedrooms
3.5Bathrooms
2,316Sq Ft
2023Year Built
$255Per Sq Ft
2-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
9% above
$/sq ft vs community
$255 here vs $234 median sold (12 mo)
Buyer leverage
Strong seller market
1.7-month supply
1.7 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 17, 2026, 522 STARGAZE Lane in Beacon Lake, St. Augustine is listed at $590,000 (2,316 sq ft, about $255 per sq ft). That sits within a few percent of Beacon Lake's median closed sale of $545,000 over the last 12 months (55 recorded sales). It came to market within the past week. Listing facts: built in 2023, HOA dues of $5/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2023 · 3 yrs
2,316 sq ft of living area
2-car garage
Listed at $590,000 — recent neighborhood median sale price ~$545,000 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $5/mo (per listing)
School district: Schools Beacon Lake is zoned to the St. Johns County SchoolCommunity built 2018–2024Kutie Café · 2 min driveSt Marys Seafood and More · 3 min driveIGP Place · 3 min drive
Momentum Research · Beacon Lake
Pricing & the Beacon Lake market
How this home is priced against recent nearby sales, and where Beacon Lake 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 Beacon Lake
Each dot is a closed sale since 2018 (833 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, 2018–2026. This home lists at $255/sq ft.
Median sale price by year
12-month median closed price, 2018–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2019–2026. Now 21 (cold).
Property timeline
This home’s history
2023BuiltPer public record
Sep 17, 2026First trackedObserved at $590,000
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
$3,660/mo
Principal & interest $3,065/mo84%
Taxes $423/mo12%
Insurance $167/mo5%
HOA $5/mo0%
$3,660/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 $6,250/yr ($521/mo)
+$1,025 more each year
(+16%)
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
48/100
Strongest on: Market timing (79), Market liquidity (76)
0 limited50100 exceptional
48/100 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 area28
This home $255/sq ft vs the community 12-month median $234/sq ft.
Affordability36
List price $590,000 vs the community median $545,000. Not a measure of personal affordability.
Market liquidity76
Community median 34 days on market, ~1.7 months of supply (12-month record).
Renovation upside10
From a 2023 build and $255/sq ft vs the community median $234/sq ft. Not a condition assessment.
Pricing power60
Recent sales closed at about 96.0% of original asking (~4.0% below). More room below asking generally favors buyers.
Market timing79
Momentum Market Heat is 21/100 (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
🟡 Asking $255 per square foot, about 9% above the community’s $234 median. Beacon Lake’s 12-month median sold price per square foot is $234. Median sold price per square foot is up 0.0% year over year. Confidence: Very High · 55 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.
73% of homes in Beacon Lake are owner-occupied. An estimated 27% are non-owner-occupied, including 4% 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), 383 homes matched. Community-level context.
Recent Beacon Lake sales closed near 96.0% 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 8 active listings in Beacon Lake, 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 home to this beautiful two-story home in the highly sought-after Beacon Lake community! Offering 2,316 square feet, three spacious bedrooms and 3½ bathrooms, this home combines generous living space with stylish, thoughtful details. The open-concept main living area features a bright white kitchen with an oversized island, abundant cabinetry, stainless-steel appliances and striking statement lighting.
The kitchen flows seamlessly into the spacious living room, making the layout perfect for everyday living and entertaining. A custom accent wall adds a bold designer touch, while the upstairs flex space provides additional room for an office, playroom or second living area. Outside, enjoy a covered lanai and fully fenced backyard with plenty of space to create your own outdoor retreat.
A two-car garage completes the home. Beacon Lake offers an incredible resort-style lifestyle centered around its 43-acre paddle-friendly lake, with a junior Olympic pool, splash park, sand beach, fitness center, tennis courts, playgrounds, parks and kayak and canoe access. This is more than a beautiful home--it's the opportunity to enjoy one of St.
Johns County's most desirable communities!
All 14 photos
Description provided by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE 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$590,000
Bed / bath3 / 3.5
Living area2,316 sq ft
Year built2023
Property typeSingle Family Residence
Garage2-car
MLS #2165061
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureModerate
CountySt. Johns
Area listings8 active · 7 under contract
Estimated first-year tax~$5,074/yr
CDD assessmentNone on record
HOA (per listing)$5/mo
Calculated estimates
Price per sq ft$255
Estimated monthly payment$3,660
Insurance (illustrative)$2k–$3k/yr
Messtimate range$521,100 – $553,524
Comparable-sales median$545,000
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.
$521,100the mess$553,524
Actual list price: $590,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 6% 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 — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $5/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:
9 active listings competing, 7 under contract
≈1.7 months of supply
55 closed here in the last 12 months
For reference, this home is listed at $590,000 ($255/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: 2,316 sq ft × $225–$239/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 Beacon Lake
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 $590,000Momentum Realty · on market 0 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.)
~$5,074/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–$3k/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 zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$5/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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
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?
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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 KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE · MLS # 2165061
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Market data · public records
Recent sales activity in Beacon Lake
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 Beacon Lake neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$545,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$234
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Beacon Lake
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.
Apr 2026 · Infrastructure
St. Johns County finishes CR 210 widening from I-95 to U.S. 1
St. Johns County completed roadway improvements on County Road 210 between Interstate 95 and U.S. 1, widening roughly seven-tenths of a mile from two lanes to six lanes between Trinity Way and Beachwalk Boulevard. The work added sidewalks, curbing, drainage upgrades, and a new traffic signal at Badger Park Drive, and a ribbon cutting was held April 24, 2026. The county reported the project cost about $18.7 million.
Why it matters: Added capacity along this stretch of CR 210 could ease peak-hour congestion for traffic moving between I-95 and communities along the corridor near Beacon Lake.
New County Road 2209 segment opens in St. Johns County
A 3.9-mile, four-lane segment of County Road 2209 opened between Silverleaf Parkway and International Golf Parkway, east of Tocoi Creek High School. It is part of the larger 2209 Central Project, planned to span 7.7 miles from County Road 210 to Florida 16 at a cost of about $32.5 million, with construction that began in December 2023.
Why it matters: A new north-south corridor in northern St. Johns County could redistribute regional traffic and improve connectivity for areas served off the CR 210 corridor over time.
St. Johns County moved westbound and eastbound CR 210 lanes onto newly built roadway just east of Stone Creek Circle, with traffic returning to the existing road at Cimarrone Boulevard. The county noted the widening segment runs from Cimarrone Boulevard west a little over two miles to Greenbriar Road, with about $30.5 million allocated in the 2025 fiscal year budget and completion targeted for spring 2026.
Why it matters: Staged construction shifts along CR 210 could affect travel times for area drivers until the wider configuration is finished.
Tidal 210 townhome plans advance to county and water district review
The proposed Tidal 210 project, a gated community of 297 town homes off County Road 210 about a half-mile east of I-95, moved into civil plan review and an environmental resource permit application with the St. Johns River Water Management District. The market-rate, non-age-restricted project from Mattamy Homes was scheduled to go before the county Development Review Committee on August 20, 2025, a step ahead of building permits.
Why it matters: If it clears review, this townhome project could add for-sale attached housing inventory near the CR 210 and I-95 interchange close to Beacon Lake.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Costco Liquor Sales 5 min
Dining
St Marys Seafood and More 3 min
Shopping
IGP Place 3 min
Parks
Above Basketball WGV 4 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
Lakeside AcademyPublic K-8, in community · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Pine Island AcademyPublic K-8, nearby · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Beachside High SchoolPublic 9-12 · St. Johns County School District · Grade A (Florida DOE 2025-26)
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.
Sold Aug 2026
$495,000
95 STROBE Court, St. Augustine
3 / 2.5 bd/ba · 2,326 sq ft · $213/sq ft
Courtesy of SUPER SELLER · View details →
Sold Sep 2026
$525,000
65 STARGAZE Lane, St. Augustine
3 / 2.5 bd/ba · 2,328 sq ft · $226/sq ft
Courtesy of BLUEFIN REAL ESTATE GROUP · View details →
Sold Jul 2026
$579,000
439 CONVEX Lane, St. Augustine
4 / 3 bd/ba · 2,501 sq ft · $232/sq ft
Courtesy of HOMECOIN.COM · View details →
Sold Aug 2026
$599,000
546 STARGAZE Lane, St. Augustine
4 / 3 bd/ba · 2,507 sq ft · $239/sq ft
Courtesy of FLORIDA HOMES REALTY & MTG LLC · View details →
Sold Jul 2026
$565,000
29 STARGAZE Lane, St. Augustine
4 / 3 bd/ba · 2,507 sq ft · $225/sq ft
Courtesy of ONE SOTHEBY'S INTERNATIONAL REALTY · View details →
Sold Aug 2026
$540,000
368 STARGAZE Lane, St. Augustine
4 / 2.5 bd/ba · 2,075 sq ft · $260/sq ft
Courtesy of BLUEFIN REAL ESTATE GROUP · View details →
Community 12-month median: $234/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$2,704 – $3,933/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.9%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,034 – +$72At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 522 STARGAZE Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2023: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $5/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
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 2,316 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 $5,074/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
Not verified for this address — look it up at msc.fema.gov
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 522 STARGAZE Lane and when was it built?
Per the listing record, 522 STARGAZE Lane was built in 2023 and has 2,316 sq ft of living area, 3 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 522 STARGAZE Lane in?
522 STARGAZE Lane is in Beacon Lake in St. Augustine, St. Johns County. The community section on this page shows recent closed sales, days on market, and active inventory for Beacon Lake from the same MLS data.
Does 522 STARGAZE Lane have an HOA, and how much are the dues?
The listing reports HOA dues of $5 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 522 STARGAZE Lane differ from the current owner's?
The estimate on this page (about $5,074 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 522 STARGAZE Lane in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 522 STARGAZE 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.
