8435 FLORENCE COVE ROAD, ST AUGUSTINE, FL, 32092
Active1 days on marketListed Aug 1, 2026MLS #TB8534968
About this home
8435 FLORENCE COVE ROAD
Nearly an acre of tropical paradise! Beautiful 3 bedroom 2 bathroom home offering 1,872 sq ft of living space and expansive front and back porches overlooking your private oasis. Home features a private electric gated entry, vaulted ceilings, gas fireplace, open kitchen, and a primary bath with jacuzzi tub and separate glass shower with dual heads. No HOA and includes deeded easement to St. Johns River. Sold AS-IS.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,872
Sqft
0.99 ac
Lot size
2003
Year built
One
Levels
$3,205
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$34,998 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$34,998/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs St Augustine actives
$3,205 vs $244
Days on market
1 vs 39 typical
Where $3,205/sqft sits among the 176 St Augustine actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Augustine
Get to know St Augustine. See the full St Augustine guide →
ST AUGUSTINE 32092 — neighborhood snapshot
Population
48,288
Median age
41.4
Median income
$122,655
Median home value
$464,800
Avg household
2.87
Households w/ children
6,787
For the school run
St. Johns County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Augustine market
$450K → $400K
St Augustine median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
81 of 176
St Augustine actives have cut their price
Median sold price, St Augustine, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1150% above the ST AUGUSTINE 32092 median. See the full St Augustine market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Ricardo Ramirez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8435 FLORENCE COVE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8435 FLORENCE COVE ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Ricardo's phone and CRM.
Straight answers
8435 FLORENCE COVE ROAD FAQs
What would the monthly payment be for 8435 FLORENCE COVE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $34,998/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 8435 FLORENCE COVE ROAD?+
The most recent tax bill on record (2025) was $2,618. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Augustine?+
At $5,999,000, this home is listed about 1264% above the St Augustine median of $439,900. The market section on this page shows how the area is trending.
Which schools are assigned to 8435 FLORENCE COVE ROAD?+
Palencia Elementary School (elementary), Allen D Nease Senior High School (high), First Coast Technical College (high), Mky- Head Start /Dpp Pk School () — St. Johns County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$5,999,000 runs 1150% above the ST AUGUSTINE 32092 median — but at 1,872 sqft it's also 18% larger than the typical St Augustine listing.
02Fresh on the market
Only 1 day on market in a St Augustine market that averages 39 — if it fits, move quickly.
03Strong assigned schools
Palencia Elementary School, Allen D Nease Senior High School, First Coast Technical College, Mky- Head Start /Dpp Pk School — Palencia Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of BRANIFF REALTY · Lisa Braniff. MLS #TB8534968.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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