110 TERRAPIN ROAD, ST AUGUSTINE, FL, 32086
Active224 days on marketListed Dec 11, 2025MLS #A4672290
About this home
110 TERRAPIN ROAD
Discover this beautifully renovated 3 bed/ 2 bath home in St Augustine. Located 2 houses off Shore Drive- a million dollar location with an affordable price tag. Every room remodeled with Home & Garden-like features. Custom kitchen includes soft-close shaker cabinets, quartz counters with tile backsplash, floating shelves, & large island with gorgeous pendant lighting. Open floorplan includes casual dining area, family room full of natural light from the large window overlooking the spacious front porch with stunning views of the Matanzas River & 312 Bridge. Main bedroom has newly updated bathroom with subway tiled shower & niche. Other 2 bedrooms share 2nd renovated bathroom. New premium vinyl flooring throughout main areas and bedrooms. Fully fenced backyard set up for outdoor living. Large deck and patio, cozy fire pit area and jungle gym. Add in the 1-car garage, carport that makes for nice outdoor covered seating area, new energy efficient water heater, A/C with UV filtration to keep the air fresh, & optional furniture package and you've struck gold. Close to restaurants, shops, boat ramps with river & ocean access & a nature preserve with walking trails. Perfect property for year round living, short-term vacation rental or vacation home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,112
Sqft
0.2 ac
Lot size
1
Garage
1961
Year built
One
Levels
$391
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.
$3,254 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,254/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
−4.3%
Days on market
224 vs 39 typical
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 32086 — neighborhood snapshot
Population
34,347
Median age
50.2
Median income
$74,508
Median home value
$342,000
Avg household
2.41
Households w/ children
3,407
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)
Median sold price, St Augustine, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 53% above the ST AUGUSTINE 32086 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 110 TERRAPIN ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 110 TERRAPIN ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
110 TERRAPIN ROAD FAQs
What would the monthly payment be for 110 TERRAPIN ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,254/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 110 TERRAPIN ROAD?+
The most recent tax bill on record (2024) was $4,084. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 110 TERRAPIN ROAD?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Augustine?+
At $435,000, this home is listed about 1% below the St Augustine median of $439,900. The market section on this page shows how the area is trending.
Which schools are assigned to 110 TERRAPIN ROAD?+
Osceola Elementary School (elementary), R J Murray Middle School (middle), Mky- Head Start /Dpp Pk School (), First Coast Technical College (high), Pedro Menendez High School (high) — St. Johns County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$435,000 runs 53% above the ST AUGUSTINE 32086 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
224 days on market against a St Augustine median of 39 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Osceola Elementary School, R J Murray Middle School, Mky- Head Start /Dpp Pk School, First Coast Technical College, Pedro Menendez High School — Osceola Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of LONDON FOSTER REALTY · Jeffrey King. MLS #A4672290.
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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