Monterey
Homes for Sale in St. Augustine, FL
All 1,277 homes for sale in St. Augustine, FL · median $481,997 · 200 homes for sale in 32095 · St. Johns County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 2 closed sales in Monterey in St. Augustine, FL since 2019, the most recent in July 2026. Across St. Augustine as a whole, 2,493 homes closed in the last 12 months at a median of $430,000, 48 median days on market, with 1,282 homes for sale today. At that median and St. Johns County's FY2025-26 rate of 13.47 mills, annual property tax runs about $5,790 ($5,270 with the full homestead exemption).
Monterey sits in St. Augustine, in St. Johns County, and what sets pricing here is condition and the specifics of each home far more than any published range. We don't have a spread to quote, so treat every listing on its own merits — updates, lot, and layout will move the number more than the neighborhood label does.
Posture right now is straightforward: buyers should underwrite each home individually rather than lean on comps that may not match, and sellers should price to condition and current demand rather than to hope. Ask us for the live read before you commit either way.
Nearby homes for sale
No active listings inside Monterey right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Monterey is a St. Augustine community within St. Johns County, best evaluated home by home rather than as a single price point, because condition drives most of the difference here.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Monterey is best for.
Best for
- Buyers set on a St. Augustine location within St. Johns County
- Buyers willing to judge a home on its condition and finishes rather than an average
- Sellers ready to price to current demand and present the home well
Probably not for
- Buyers who need a fixed, predictable price point before touring
- Buyers unwilling to do property-level diligence on condition
- Sellers expecting a number set by the neighborhood name rather than the home
The market around Monterey
Monterey is too small for its own price trend, so here is the market around it.
In ZIP 32095, 303 homes are on the market and 29% are under contract — a steady corner of St. Augustine.
Across St. Johns County, 1,995 homes are active and 766 pending (28% under contract).
In ZIP 32095 (St. Augustine), 955 homes closed in the last 12 months at a median of $498K ($221/sq ft), down 2.0% year over year, with a median 51 days on market. Right now 148 active and 76 pending listings put supply at about 3.4 months — a balanced market. See the live ZIP 32095 housing market and the St. Johns County market.
ZIP and county figures describe the wider market, not Monterey specifically. Momentum Research analysis of MLS records.
The Monterey buying strategy.
If we were buying in Monterey today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Monterey.
How to read Monterey
The honest way to approach Monterey is to look past the headline and at the individual home. Since the meaningful variable is condition and the particulars of each property, two homes on the same street can justify very different numbers.
For buyers, that means the diligence is in the inspection and the finishes, not in chasing an average. For sellers, it means presentation and accurate pricing to current demand do the heavy lifting. We'll walk the specific home with you and tell you where it actually lands.
The location and the amenities are priced into every listing in Monterey. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
We cover St. Johns County closely and we'll give you a candid read on any Monterey home — what its condition supports, what current demand looks like, and whether it fits your goals. We'd rather tell you to pass than talk you into the wrong house.
Monterey in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Monterey buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Monterey sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Monterey, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Monterey home worth?
Get a no-obligation home value based on real comparable sales in Monterey, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in St. Augustine →
Should you buy in Monterey?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-10-10 |
| Historical depth | Closed-sale records back to 2019 (3 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Recent Developments in Monterey
Development, infrastructure, retail, and school activity affecting Monterey, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Market
St. Johns County denies 4,462-acre Palm Valley farmland housing application under new state enclave law
Commissioners denied 3-2 on Sept. 15 the 4,462-acre Palm Valley application near Nocatee under the state agricultural enclave law, and the county plans to fight it in court. Another proposal of nearly 1,200 acres and about 15,000 homes south of St. Augustine was approved in August, then denied 3-2 on Sept. 28. St. Johns County has received 16 applications under the law.
What it may mean for the marketThe outcome of these applications will shape how much new housing supply can be added on rural land in the county. The site is about 10 miles north of Monterey.
Source: Jacksonville Today - July 2026Infrastructure
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.
What it may mean for the marketExpands roadway capacity on a major county corridor, improving traffic flow and supporting continued growth along the CR 210 area. The project is about 6 miles northwest of Monterey, elsewhere in St. Johns County.
Source: News4Jax - July 2026Development
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.
What it may mean for the marketSignals 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 site is about 5 miles north of Monterey.
Source: Jacksonville Today - July 2026Retail & Dining
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.
What it may mean for the marketExpands 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 6 miles north of Monterey, elsewhere in St. Johns County.
Source: Nocatee - May 2026Retail & Dining
Grocery-anchored retail center proposed in Durbin Park
A grocery-anchored retail center was proposed at Durbin Park, the large mixed-use development near Interstate 95 and County Road 210 in northern St. Johns County, adding to the district's existing stores, restaurants, and Walmart-anchored core.
What it may mean for the marketAdded grocery and retail at Durbin Park deepens everyday conveniences in northern St. Johns County, an amenity factor that can support demand for surrounding communities. The project is about 9 miles northwest of Monterey, elsewhere in St. Johns County.
Source: Jax Daily Record - February 2026Retail & Dining
Durbin Park Walmart plans an expansion
The Walmart anchoring Durbin Park filed plans to expand in early 2026, reinforcing the retail core of the Interstate 95 and County Road 210 district in northern St. Johns County.
What it may mean for the marketInvestment in Durbin Park's retail anchor signals continued commercial strength in northern St. Johns County, which can reinforce the appeal of nearby residential areas. The project is about 9 miles northwest of Monterey, elsewhere in St. Johns County.
Source: Jax Daily Record
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Monterey fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Monterey. These are the public schools most often assigned to other communities in ZIP 32095; zones change and vary by address, so confirm with the district before you buy.
- Pacetti Bay Middle School · 6-8 · FLDOE grade A (assigned to 7 nearby communities)
- Tocoi Creek High School · 9-12 · FLDOE grade A (assigned to 6 nearby communities)
- Sebastian Middle School · 6-8 · FLDOE grade A (assigned to 6 nearby communities)
- St. Augustine High School · 9-12 · FLDOE grade A (assigned to 6 nearby communities)
- Wards Creek Elementary School · PreK-5 · FLDOE grade A (assigned to 4 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Email me new listings in Monterey
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Monterey
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Monterey will answer, and the answer is published on this page for the next buyer.
Common questions about Monterey
Where is Monterey?
Monterey is a community in St. Augustine, St. Johns County, Florida, ZIP 32095.
Are there homes for sale in Monterey right now?
No active listings inside Monterey at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Monterey have an HOA or CDD?
No HOA is on record for Monterey in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
Housing distress & ownership in Monterey, St. Augustine
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
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St. Augustine guides & data
- Market data
- Cost of living
- Best neighborhoods (ranked by data)
- Best neighborhoods
- Flood zones
- Property taxes (St. Johns County)
- Homestead exemption (St. Johns County)
- New construction
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Spanish Marsh Drive (1 homes on record)
Nearby Communities
Explore more neighborhoods near Monterey with Momentum Realty’s local guides.