3242 CARMEL ROAD, ST AUGUSTINE, FL, 32086
Active144 days on marketListed Feb 26, 2026MLS #FC316439
About this home
3242 CARMEL ROAD
Rare opportunity to own a private marshfront lot offering unparalleled tranquility and natural beauty. This high and dry, oversized 100x100 wooded parcel backs up to protected wetlands on two sides, creating a peaceful setting with breathtaking views of Moultrie Creek marshland. If privacy and serenity are your goals, this is the perfect place to build your dream home. Situated on a tributary to Moultrie Creek, the 100x100 buildable footprint provides flexibility for your custom design. The lot is “build to suit,” but may also be purchased independently, giving you the freedom to bring your own builder and vision. Nature lovers will appreciate the unique water access—ideal for small boats, kayaks, and paddleboards. Located just minutes from historic St. Augustine and area beaches, you’ll enjoy the best of both worlds: quiet, tucked-away living with convenient access to dining, shopping, and coastal attractions. The community features a public boat ramp, and two additional boat ramps are within two miles, offering easy access to the Intracoastal Waterway—so bring your boats and water toys.
Facts & features
The home at a glance
0.23 ac
Lot size
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.
$937 /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
$937/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.
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 65% below the ST AUGUSTINE 32086 median. See the full St Augustine market guide →
Paper trail
This home's history
Reality check
What actually sold near 3242 CARMEL ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$307,300
207 WARBLER ROAD · same community
2 bd · 2 ba · 1,152 sqft · $267/sqft · 100 DOM
Sold · Jun ’26$425,000
345 ORCHIS ROAD · same community
3 bd · 2 ba · 1,223 sqft · $348/sqft · 28 DOM
Sold · Nov ’25$246,750
202 GERONA ROAD · same community
3 bd · 2 ba · 1,320 sqft · $187/sqft · 16 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
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3242 CARMEL ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3242 CARMEL ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
3242 CARMEL ROAD FAQs
What would the monthly payment be for 3242 CARMEL ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $937/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 3242 CARMEL ROAD?+
The most recent tax bill on record (2025) was $1,802. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Augustine?+
At $99,000, this home is listed about 77% 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 3242 CARMEL 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
Three things that matter here
01Under the ST AUGUSTINE 32086 market on paper
$99,000 is 65% below the ST AUGUSTINE 32086 median of $284,000.
02Time on market is leverage
144 days on market against a St Augustine median of 39 — sellers in this position are usually ready to negotiate.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of YOUR HOME SOLD GUARANTEED REAL · Jesse Warmka. MLS #FC316439.
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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