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28 Rock Spring Loop St, Augustine, FL, 32095

2beds
2baths
1,547sqft
$360,000
$233price/sqft
$2,428/moest. monthly cost
$97,120/yrincome needed

About This Home

VERY MOTIVATED SELLER! Welcome to this beautifully maintained two-bedroom, two-bath residence with a versatile flex office space, located in a highly sought- after gated 55+ community. This thoughtfully designed model home by Pulte offers comfort, functionality, and scenic water views. The open-concept floor plan provides spacious living and dining areas, complimented by numerous upgrades throughout. The kitchen flows seamlessly into the main living space, creating an ideal setting for both everyday living and entertaining. The flex room offers the perfect space for a home office, hobby room, or additional sitting area. The primary suite features ample closet space and a well-appointed en-suite bath. A secondary bedroom and fill bath provide comfortable accommodations for guests. Enjoy peaceful water views from the screened lanai, complete with sun shades for added comfort and privacy. This home has been meticulously cared for and reflects true pride of ownership. Residents enjoy access to an array of community amenities including a pool, tennis courts, pickleball, fitness center, park and scenic walking paths. Conveniently located near Bass Pro Shop, Buc-ee's, International Golf Parkway, shopping, dining and major roadways, this home offers both tranquility and accessibility. Schedule your private showing today and experience all this exceptional home and vibrant community have to offer.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

9/10
Mill Creek AcademyGrades PK-83.1 mi
--

Construction

Condition

  • Year built: 2017

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Stone,Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Washer,Water Softener,Tankless Water Heater-Gas

Bedroom2

  • Area: 130

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Area: 153

Features

  • Ceiling Fan(s)
  • Flooring: Tile

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,547
  • Total interior livable area: 1,547 sqft

Kitchen

  • Area: 90

Living Room

  • Area: 240

Master Bathroom

  • Features: Shower Only

Master Bedroom

  • Level: First
  • Area: 180

Office

  • Area: 100

Property

Details

  • Parcel number: 0270151380
  • Zoning: PUD

Features

  • Levels: Split
  • Stories: 1
  • Entry location: Ground Level
  • Patio & porch: Screened Porch
  • Exterior features: Auto Sprinkler
  • On waterfront: Yes
  • Waterfront features: Waterfront,Pond

Lot

  • Lot size: 4,791 sqft
  • Features: City Lot,Paved,Less than 1/4 Acre

Parking

  • Total spaces: 2
  • Parking features: 2 Car Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Hurricane
Inland Flooding
Tornado
Heat Wave
Wildfire
Tsunami

FEMA Declared Disasters in St. Johns County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,820$21,840
Home Insurance *$186$2,232
Property Taxes $225$2,700
Electricity $197$2,366
Total$2,428$29,136
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,245/yr
40% on housing$72,840/yr
45% on housing$64,746/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.7%
13.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$233This listing

vs Other Active Listings

Avg $/sqft

ZIP 32095$226
St. Johns County$292

vs Homes Sold Last Month

Median $/sqft

ZIP 32095$224
St. Johns County$239

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-03Price change$360,000
2026-04-25Listed for sale$375,000
2026-02-24Listing removed$384,900
2026-02-19Listed for sale$384,900
2020-08-18Sold$280,590

For Sale by Agent

AgentShannon Scott
BrokerageWatson Realty Corp (US1 South)

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