228 RIVER ISLAND CIRCLE, ST AUGUSTINE, FL, 32095
Active191 days on marketListed Apr 30, 2026MLS #FC318206
About this home
228 RIVER ISLAND CIRCLE
Welcome to this beautifully maintained 2-bedroom, 2-bath single-family home offering comfort, style, and convenience in a quiet, well-kept community with low HOA fees. Inside, you'll find an open floorplan that creates a bright and spacious feel, perfect for both everyday living and entertaining. The home features newly remodeled bathrooms, recent interior paint, and a climate-controlled garage that adds valuable flex space for storage, hobbies, or a home gym. Designed for low-maintenance living, this property is ideal for those seeking peace of mind in a safe and serene setting. Conveniently located just minutes from downtown, shopping, dining, and the beaches, this move-in ready home offers the best of easy Florida living. USDA eligible!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,020
Sqft
0.12 ac
Lot size
1
Garage
1997
Year built
One
Levels
$283
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.
$2,568 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$2,568/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
$283 vs $239
Days on market
191 vs 44 typical
Where $283/sqft sits among the 181 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 32095 — neighborhood snapshot
Population
21,399
Median age
42.7
Median income
$136,038
Median home value
$525,000
Avg household
2.88
Households w/ children
2,837
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
$384K → $426K
St Augustine median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
87 of 181
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 47% below the ST AUGUSTINE 32095 median. See the full St Augustine market guide →
Paper trail
This home's history
Reality check
What actually sold near 228 RIVER ISLAND CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$254,990
300 PALMETTO RIDGE ROAD
2 bd · 2.5 ba · 1,109 sqft · $230/sqft · 58 DOM
Sold · Jul ’26$269,990
298 PALMETTO RIDGE ROAD
2 bd · 2.5 ba · 1,109 sqft · $243/sqft · 80 DOM
Sold · Sep ’26$250,990
290 PALMETTO RIDGE ROAD
2 bd · 2.5 ba · 1,109 sqft · $226/sqft · 112 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 228 RIVER ISLAND CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 228 RIVER ISLAND CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
228 RIVER ISLAND CIRCLE FAQs
What would the monthly payment be for 228 RIVER ISLAND CIRCLE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,568/mo — principal and interest, the actual property-tax bill, the $62/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 228 RIVER ISLAND CIRCLE?+
The association fee works out to $62 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 228 RIVER ISLAND CIRCLE?+
The most recent tax bill on record (2025) was $2,814. 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 228 RIVER ISLAND CIRCLE?+
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 $289,000, this home is listed about 37% below the St Augustine median of $457,000. The market section on this page shows how the area is trending.
Which schools are assigned to 228 RIVER ISLAND CIRCLE?+
Palencia Elementary School (elementary), First Coast Technical College (high), St. Augustine High School (high), Sebastian Middle School (middle), Mky- Head Start /Dpp Pk School () — St. Johns County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ST AUGUSTINE 32095 market on paper
$289,000 is 47% below the ST AUGUSTINE 32095 median of $549,990, and at $283/sqft it sits under the St Augustine average of $306.
02Time on market is leverage
191 days on market against a St Augustine median of 44 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Palencia Elementary School, First Coast Technical College, St. Augustine High School, Sebastian Middle School, Mky- Head Start /Dpp Pk School — Palencia Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $315,000, now $289,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BEACH STATE REALTY · Justin Petrucci. MLS #FC318206.
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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