CENTURY 21 Edge
$3,299,0004 bd3 ba3,765 sqft$876 /sqft≈$23,026 /mo all-in ↓

2900 JOE ASHTON ROAD, ST AUGUSTINE, FL, 32092

Active1 days on marketListed Nov 5, 2026MLS #FC322394

Private poolSingle Family ResidenceMETES AND BOUNDS

Come see it

Upcoming open house

Tue, Nov 10

3:00 PM – 6:00 PM

Broker Open

About this home

2900 JOE ASHTON ROAD

Introducing The Estate at Emerald Lakes an extraordinary gated six plus acre private compound with main home an cottages totaling 10 bedrooms, 7 1/2 baths offering a level of lifestyle, versatility, and resort-style living rarely found in St. Johns County. Just 20 minutes from historic downtown St. Augustine, this one-of-a-kind estate pairs a beautifully renovated main residence with three private guest cottages, a picturesque lake, exceptional recreational amenities, and dedicated event spaces creating an unparalleled setting for luxury living, multi-generational families, entertaining, and income-producing opportunities. At the heart of the property is the beautifully renovated four bedroom/three bath main residence overlooking the lake, featuring an updated kitchen, remodeled baths, and spacious living and entertaining areas designed for both everyday comfort and effortless gatherings. Beyond the main residence, multiple charming cottages. The separate accommodations allow parents, adult children, extended family, and guests to enjoy their own private spaces while remaining together on one spectacular property. The cottages also offer Airbnb and short-term rental income potential and provide convenient accommodations for wedding guests, family reunions, retreats, and special events. The seven-acre grounds of The Estate at Emerald Lakes evoke the atmosphere of a private resort. A picturesque lake creates a beautiful backdrop, complemented by a screened swimming pool, pool house/gym/storage, tennis court, pickleball court, and expansive outdoor spaces designed for recreation, relaxation, and entertaining. Adding even greater versatility is an RV/Boat garage and dedicated event storage, providing valuable space for recreational vehicles, equipment, furnishings, and everything needed to support the property's many possible uses. A wedding and event barn with kitchen, restrooms and storage that further distinguishes this remarkable estate, creating a dedicated space for celebrations and gatherings. Paired with the lakefront setting, expansive grounds, guest cottages, pool, and recreational amenities, the property offers exceptional potential as a wedding and special-event destination, with opportunities for ceremonies, receptions, photography, celebrations, and overnight guest accommodations. Whether envisioned as a luxurious private family compound, multi-generational estate, vacation-rental destination, corporate or wellness retreat, or wedding and event property, The Estate at Emerald Lakes offers a rare combination of privacy, versatility, recreation, and opportunity all approximately 20 minutes from the dining, shopping, history, beaches, and charm of downtown St. Augustine.The Estate at Emerald Lakes isn't simply a residence it's a seven-acre private resort, family compound, retreat, and destination.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,765

Sqft

4.48 ac

Lot size

2

Garage

1978

Year built

One

Levels

$876

Per sqft

Private poolFireplacePartiallyPets allowed

Inside

FlooringTile · Vinyl
AppliancesConvection Oven · Cooktop · Dishwasher · Dryer · Electric Cooktop · Range · Refrigerator · Touchless Faucet · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral · Electric
FurnishedPartially

Outside & construction

RoofShingle
ConstructionBrick · Vinyl Siding · Wood Frame · Wood Siding
FoundationSlab
FacesSouthwest
ExteriorBasketball Court · Courtyard · Irrigation System · Lighting · RV Hookup · Storage · Tennis Court(s)

Community & fees

Taxes (2025)$10,422/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Propane · Sewer Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$23,026 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$20,760
PMI (est., until 20% equity)$1,237
Property tax — 2025 actual bill$869
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $329,900Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $329,900
Interest rate7.50%
Loan term

Estimated payment

$23,026/mo

Principal & interest$20,760
PMI (est., until 20% equity)$1,237
Property taxes (actual bill)$869
Est. insurance$160

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.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

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

HighFirst Coast Technical College
HighSt. Augustine High School★★★★★
Mky- Head Start /Dpp Pk School

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Augustine market

Seller’s marketLeans seller — 3.1 months of inventoryBuyer’s market

$384K → $426K

St Augustine median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

Median sold price, St Augustine, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 595% above the ST AUGUSTINE 32092 median. See the full St Augustine market guide →

Paper trail

This home's history

Nov 5, 2026Listed at $3,299,000 · 1 days on market since
1978Built · METES AND BOUNDS

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.

Angela Rodriguez

Your agent

Angela Rodriguez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 2900 JOE ASHTON ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2900 JOE ASHTON ROAD — before you fall in love.

See it in person

Schedule a tour

Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

2900 JOE ASHTON ROAD FAQs

What would the monthly payment be for 2900 JOE ASHTON ROAD?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $23,026/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 2900 JOE ASHTON ROAD?+

The most recent tax bill on record (2025) was $10,422. 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 2900 JOE ASHTON 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 $3,299,000, this home is listed about 622% above the St Augustine median of $457,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2900 JOE ASHTON ROAD?+

First Coast Technical College (high), St. Augustine High School (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

Four things that matter here

01Positioned at the premium end

$3,299,000 runs 595% above the ST AUGUSTINE 32092 median — but at 3,765 sqft it's also nearly twice the size of the typical St Augustine listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Fresh on the market

Only 1 day on market in a St Augustine market that averages 44 — if it fits, move quickly.

04Strong assigned schools

First Coast Technical College, St. Augustine High School, Mky- Head Start /Dpp Pk School — St. Augustine High School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of COLDWELL BANKER VANGUARD REALTY · Stacey Burkins. MLS #FC322394.

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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2900 Joe Ashton Road, St. Augustine, FL — 4 Bed 3 Bath for Sale