CENTURY 21 Edge
$395,0004 bd2 ba1,897 sqft$208 /sqft≈$3,081 /mo all-in ↓

723 MANDARIN TERRACE, ST AUGUSTINE, FL, 32092

Active11 days on marketListed Oct 1, 2026MLS #GC543721

✦ Priced 16% below the ST AUGUSTINE 32092 medianSingle Family ResidenceSAINT JOHNS SIX MILE CREEK WEST UNIT 4

About this home

723 MANDARIN TERRACE

Enjoy top-rated schools! This meticulous home, offers a wonderful combination of comfort, privacy, and resort-style living. The thoughtfully designed open-concept floor plan features a split-bedroom layout. The bright living space opens seamlessly to the kitchen and dining area, making it easy to entertain or enjoy relaxed everyday living. Outside, the fully fenced backyard provides a private space to unwind, with a covered patio that's ideal for morning coffee, outdoor dining, or gathering with family and friends. The Heritage Landing community is designed for both relaxation and recreation. Residents enjoy a heated lap pool, recreation pool with a twisting water slide and splash pad, fitness room, walking trails, playground, tennis, basketball and volleyball courts, plus a variety of community events. You're minutes from the iconic Outback Crab Shack, Trout Creek Park, and boat ramp. Historic downtown St. Augustine and the beautiful beaches are also just a short drive away.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

1,897

Sqft

0.17 ac

Lot size

2

Garage

2011

Year built

One

Levels

$208

Per sqft

NegotiablePets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorEating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Thermostat · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
FacesNorth
ExteriorGarden · Irrigation System · Lighting · Private Yard · Sliding Doors · Sprinkler Metered

Community & fees

Taxes (2025)$5,052/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sewer Connected · Sprinkler Meter · Underground Utilities · Water Connected
WaterPublic

The numbers

What it really costs

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

$3,081 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,325
FHA mortgage insurance (est.)$175
Property tax — 2025 actual bill$421
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,825Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,825
Interest rate6.00%
Loan term

Estimated payment

$3,081/mo

Principal & interest$2,325
FHA mortgage insurance (est.)$175
Property taxes (actual bill)$421
Est. insurance$160

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.

List $395K
$335KedgeAI estimate $387,266 · range $349K–$408K$424K

vs edgeAI estimate

+2%

$/sqft vs St Augustine actives

$208 vs $237

Days on market

11 vs 48 typical

Where $208/sqft sits among the 177 St Augustine actives

96 · this home
32
17
8
7
17
$182–242$242–302$302–361$361–421$421–481$481+

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 The King And The Bear

Get to know St Augustine. See the full St Augustine guide →

The King And The Bear — neighborhood snapshot

Population

7,041

Median age

48

Median income

$116,203

Median home value

$489,590

Avg household

3

Households w/ children

954

For the school run

St. Johns County School District

ElementaryWards Creek Elementary School★★★★★
MiddlePacetti Bay Middle School★★★★★
HighTocoi Creek High School★★★★★
HighFirst Coast Technical College
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 marketSeller’s market — 2.6 months of inventoryBuyer’s market

$450K → $411K

St Augustine median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

84 of 177

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 16% below the ST AUGUSTINE 32092 median. See the full St Augustine market guide →

Paper trail

This home's history

Oct 1, 2026Listed at $395,000 · 11 days on market since
2011Built · SAINT JOHNS SIX MILE CREEK WEST UNIT 4

Reality check

What actually sold near 723 MANDARIN TERRACE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

828 CRYSTAL SPRING WAYSold · Sep ’26

$325,000

828 CRYSTAL SPRING WAY

4 bd · 2 ba · 1,742 sqft · $187/sqft · 78 DOM

1315 ARDMORE STREETSold · Jan ’26

$210,000

1315 ARDMORE STREET

3 bd · 2 ba · 1,257 sqft · $167/sqft · 52 DOM

2600 SNAIL KITE COURTSold · Jun ’26

$430,000

2600 SNAIL KITE COURT

4 bd · 2 ba · 2,544 sqft · $169/sqft · 20 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.

Colleen Brown

Your agent

Colleen Brown

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 723 MANDARIN TERRACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 723 MANDARIN TERRACE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

723 MANDARIN TERRACE FAQs

What would the monthly payment be for 723 MANDARIN TERRACE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,081/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 723 MANDARIN TERRACE?+

The most recent tax bill on record (2025) was $5,052. 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 723 MANDARIN TERRACE?+

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 $395,000, this home is listed about 7% below the St Augustine median of $425,000. The market section on this page shows how the area is trending.

Which schools are assigned to 723 MANDARIN TERRACE?+

Wards Creek Elementary School (elementary), Pacetti Bay Middle School (middle), Tocoi Creek 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.

Listing courtesy of HERRON REAL ESTATE LLC · Jennifer Predeek, LLC. MLS #GC543721.

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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