
186 CONCAVE LANE, ST AUGUSTINE, FL, 32092
Pending116 days on marketListed Mar 27, 2026MLS #FC317247
About this home
186 CONCAVE LANE
Located on a quiet cul-de-sac in the highly desirable Beacon Lake community, 186 Concave Ln offers beautifully designed living just moments from the neighborhood's resort-style amenity center. This thoughtfully upgraded 3-bedroom, 2-bath home blends modern finishes with an open, inviting layout perfect for both everyday living & entertaining. Inside, you'll find warm wood flooring, elegant tray ceilings, and abundant natural light throughout the main living areas. The spacious living room features a striking floor-to-ceiling shiplap fireplace accented with a reclaimed wood mantle & custom wall details, creating a stylish focal point. The chef-inspired kitchen is designed to impress with a large quartz island, gas range, herringbone tile backsplash, designer lighting, & generous cabinet space. The open-concept design allows the kitchen to flow seamlessly into the dining and living spaces. All the bedrooms feature designer finishes throughout, custom wainscoting, accent walls & detailed trim work that adds warmth, texture and elevated character to the home. An interior laundry room with washer and dryer adds convenience. The owner's suite provides a private retreat with ample space and a well-appointed en-suite bath, while two additional bedrooms offer versatility for guests, a home office, or flex space. Step outside to enjoy the fully fenced backyard overlooking serene preserve views. The outdoor space features a paver patio and gas fire pit, ideal for relaxing evenings or entertaining outdoors. Freshly painted and move-in ready, this home also provides access to Beacon Lake's exceptional amenities including a clubhouse, fitness center, resort-style pool, splash park, and scenic walking trails--delivering the perfect combination of comfort, style, and community living in St. Johns County.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,863
Sqft
0.17 ac
Lot size
2
Garage
2018
Year built
One
Levels
$247
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 and the real association fee — not generic estimates.
$3,817 /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
$3,817/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
+8.8%
$/sqft vs St Augustine actives
$247 vs $240
Days on market
116 vs 39 typical
Where $247/sqft sits among the 179 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 Beacon Lake
Get to know St Augustine. See the full St Augustine guide →
Beacon Lake — neighborhood snapshot
Population
2,554
Median age
36
Median income
$118,561
Median home value
$469,900
Avg household
3
Households w/ children
326
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)
73 of 179
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 4% below the ST AUGUSTINE 32092 median. See the full St Augustine market guide →
Paper trail
This home's history
Reality check
What actually sold near 186 CONCAVE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$585,000
458 CONVEX LANE · same community
4 bd · 3 ba · 2,501 sqft · $234/sqft · 35 DOM
Sold · Jul ’25$444,250
91 RIPPLE ROAD
3 bd · 2 ba · 1,889 sqft · $235/sqft · 0 DOM
Sold · Jan ’26$419,990
65 RIPPLE ROAD
3 bd · 2 ba · 1,889 sqft · $222/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 186 CONCAVE LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 186 CONCAVE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
186 CONCAVE LANE FAQs
What would the monthly payment be for 186 CONCAVE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,817/mo — principal and interest, the actual property-tax bill, the $7/mo association fee 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.
How much are the HOA fees at 186 CONCAVE LANE?+
The association fee works out to $7 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 186 CONCAVE LANE?+
The most recent tax bill on record (2025) was $8,865. 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 186 CONCAVE LANE?+
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 $459,900, this home is listed about 5% 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 186 CONCAVE LANE?+
Beachside 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
Five things that matter here
01Under the ST AUGUSTINE 32092 market on paper
$459,900 is 4% below the ST AUGUSTINE 32092 median of $479,990, and at $247/sqft it sits under the St Augustine average of $309.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
116 days on market against a St Augustine median of 39 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Beachside High School, First Coast Technical College, Mky- Head Start /Dpp Pk School — Beachside High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $469,000, now $459,900 — a $9K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER VANGUARD REALTY · Stacey Burkins. MLS #FC317247.
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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