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82 TREE FROG Way, Saint Augustine, FL, 32095

5beds
4baths
2,255sqft
$488,500
$217price/sqft
$3,464/moest. monthly cost
$138,560/yrincome needed

About This Home

Incredible views, outstanding amenities, shopping and everything you will love that comes along with this beautiful 5 bedroom home in St. Johns County! ** 2026 property tax credit attached to this home- best price per sq ft value in the neighborhood! 5 bedroom home with 3 full bathrooms in St. Johns County with a LOW CDD fee of $108.98 a month! and a LOW HOA fee of $101.67 per month! Live the Lifestyle in this stunning 5 bedroom, 3.5 bath home with an additional second floor flex space, now on the market in Florida's top school district. Located in the highly sought after Twin Creeks at Creekside community in St. Johns County, this move in ready home has been immaculately maintained, and the pride of ownership shines throughout. This property truly offers it all, from location to upgrades, with close proximity to dining, shopping, and major highways, plus a rare fully fenced, pond view lot featuring a built in fire pit and extended paver patio, perfect for outdoor entertaining. This "move right in" home features brand new carpet, an oversized first floor primary suite, and a beautifully designed interior filled with thoughtful upgrades throughout. The primary suite showcases a custom design accent wall, built in closet shelving, and a spa inspired bath with a frameless shower glass. The bright, upgraded white kitchen offers a quiet layout ideal for busy households, highlighted by crown molded cabinetry, quartz countertops with tasteful marbling, a gas cooktop, and a reverse osmosis hookup to the refrigerator, ideal for everyday living and entertaining. Additional highlights include a half bath on the main level, a walk in laundry room, and ceiling fans in every room. Upstairs offers a versatile flex space along with bedrooms 2, 3, 4, and 5, providing exceptional space for family, guests, or a home office. Notable upgrades and features include permanent holiday exterior lighting, a water softener system, a solar-powered attic ventilation fan, a fully fenced backyard overlooking the pond, a built in fire pit, extended pavers, and a white kitchen upgrade with crown molding. This home combines spacious functionality, style, and a relaxing ambiance with a beautiful outdoor water view setting. Schedule your private showing today.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

9/10
Lakeside AcademyGrades K-81.1 mi
7/10
Beachside High SchoolGrades 9-122.3 mi

Construction

Condition

  • Year built: 2020

Materials

  • Roof: Shingle
  • Construction materials: Fiber Cement

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Gas Cooktop,Gas Water Heater,Microwave,Refrigerator,Water Softener Owned
  • Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,Lower Level,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Breakfast Bar,Breakfast Nook,Eat-in Kitchen,Entrance Foyer,Kitchen Island,Pantry,Primary Bathroom - Shower No Tub,Master Downstairs,Split Bedrooms,Walk-In Closet(s)
  • Flooring: Laminate

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,255 sqft

Property

Details

  • Parcel number: 0237135650
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio
  • Exterior features: Fire Pit
  • Fencing: Wrought Iron
  • Has view: Yes
  • View description: Pond
  • Has water view: Yes
  • Water view: Pond

Lot

  • Lot size: 5,662 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage
  • 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 $2,470$29,640
Home Insurance *$252$3,024
Property Taxes $516$6,192
Electricity $226$2,723
Total$3,464$41,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,765/yr
40% on housing$103,920/yr
45% on housing$92,373/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

$217This 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
2026-05-13Price change$475,000
2026-04-29Price change$488,500
2026-02-18Listed for sale$489,000
2020-10-30Sold$327,900

For Sale by Agent

AgentKELLY BELLO
BrokerageKELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE

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