Beacon Lake

242 STARGAZE LN

Saint Augustine, FL 32095
For Sale $549,000
3 bd · 3 ba · Built 2023
Bryce Spraggins — The HOA Collective
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Call or Text 904-747-1HOA

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of COLDWELL BANKER VANGUARD REALTY (sheltonscaife@aol.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

Welcome to this stunning 3-bedroom, 2.5-bath coastal-inspired home in sought-after Beacon Lake, St. Johns County! Featuring beautiful curb appeal, upgraded finishes, a gourmet kitchen, and a spacious open-concept design, this light-filled home is perfect for everyday living and effortless entertaining. Best of all, enjoy a spectacular waterfront setting overlooking an expansive 40-acre lake, with breathtaking sunsets that provide an incredible backdrop from your own backyard. The home also backs up to a peaceful preserve area, creating a unique combination of expansive views, privacy, and tranquility.
Upstairs, a versatile loft/flex space is ideal for a home office, media room, or additional gathering area. Step outside to relax, entertain, or simply take in the peaceful waterfront setting with a front-row seat to some of the most beautiful sunsets North Florida has to offer.

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $19,215
$5,055/mo
Principal & interest$3,703
Property tax (est.)$486
Insurance (est.)$412
FHA MIP$243
HOA dues$5
CDD assessment$206
Cash to close: ~$19,215 down · MIP financed
VA
$0 down
$4,961/mo
Principal & interest$3,852
Property tax (est.)$486
Insurance (est.)$412
VA fee (financed)$0
HOA dues$5
CDD assessment$206
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $109,800
$4,126/mo
Principal & interest$3,017
Property tax (est.)$486
Insurance (est.)$412
PMI$0
HOA dues$5
CDD assessment$206
Cash to close: ~$109,800 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.40% effective millage, plus actual HOA & CDD. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built2023
SubdivisionBeacon Lake
Parcel (RE#)023725 0260
Legal description113/7-24 BEACON LAKE PHASE 3B LOT 26 OR6030/552

Valuation · 2025

Value

Just / Market
$550,000
Assessed
$347,165
Taxable
$296,443
2025 Property Tax
$4,153
Homestead Exemption
Yes $50,000 exempt

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$61 / Annually
CDD Assessment
$2,470 / Annually

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

DatePriceDeed
2022-08-18 —

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Florida Power & Light (FPL)
💧 Water
St. Johns County Utility Department
🚽 Sewer
St. Johns County Utility Department

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Elementary (zoned)
Middle (zoned)
Nearby Private Schools

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Beacon Lake? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Beacon Lake every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

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Community Records

Beacon Lake Documents

CC&R's
Covenants & Restrictions · View →
BEACON LAKE GOVERNING DOCUMENTS 2 OF 2
Covenants & Restrictions · View →
HOA document
Covenants & Restrictions · View →
Beacon Lake CCRs
Covenants & Restrictions · View →
Beacon Lake Governing Docs 1
Covenants & Restrictions · View →
Declaration
Covenants & Restrictions · View →
Beacon Lake Governing Docs 2
Covenants & Restrictions · View →
Covenants
Covenants & Restrictions · View →
Declaration 2
Covenants & Restrictions · View →
HOA - CCR's
Covenants & Restrictions · View →
HOA - Governing Docs 2
Covenants & Restrictions · View →
HOA CCR's
Covenants & Restrictions · View →
HOA Governing Docs 1
Covenants & Restrictions · View →
HOA - Governing Docs 1
Covenants & Restrictions · View →
HOA Governing Docs 2
Covenants & Restrictions · View →
Declaration of Covenants 2
Covenants & Restrictions · View →
Covenants and Restrictions
Covenants & Restrictions · View →
Declaration of Covenants 1
Covenants & Restrictions · View →
Covenants and Restrictions 1
Covenants & Restrictions · View →
BL Governing Documents Part 1 of 2
Covenants & Restrictions · View →
BEACON LAKE HOA DOCUMENTS
Covenants & Restrictions · View →
HOA DOCUMENTS
Covenants & Restrictions · View →
Covenants and Restrictions 2
Covenants & Restrictions · View →
BL Covenants and Restrictions
Covenants & Restrictions · View →
BL Governing Documents Part 2 of 2
Covenants & Restrictions · View →
Covenants & Restrictions
Covenants & Restrictions · View →
HOA Governing Docs Part 1
Covenants & Restrictions · View →
BEACON LAKE GOVERNING DOCUMENTS 1 OF 2
Covenants & Restrictions · View →
HOA Governing Docs Part 2
Covenants & Restrictions · View →
Beacon Lake Governing Documents Part 1
Covenants & Restrictions · View →
Beacon Lake Governing Documents Part 2
Covenants & Restrictions · View →
Beacon Lake Declaration
Covenants & Restrictions · View →
CCRs Supplement 1
Covenants & Restrictions · View →
CCRs Supplement 2
Covenants & Restrictions · View →
CCRs Supplement 3
Covenants & Restrictions · View →
Beacon Lake Governing docs Part 1
Covenants & Restrictions · View →
CCRs Supplement 5
Covenants & Restrictions · View →
CCRs Supplement 4
Covenants & Restrictions · View →
Beacon Lake Governing Docs Part 2
Covenants & Restrictions · View →

On the Market

Homes for Sale in Beacon Lake

Other active MLS listings in Beacon Lake.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 242 STARGAZE LN?
The zoned public schools for 242 STARGAZE LN in Beacon Lake are K-8 School Rr (elementary), Fruit Cove Middle School (middle), Allen D Nease Senior High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 242 STARGAZE LN?
The most recent annual property tax for 242 STARGAZE LN is about $4,153 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
Does 242 STARGAZE LN have a CDD fee?
Yes. 242 STARGAZE LN is in Beacon Lake, a Community Development District (CDD) with an assessment of approximately $2,470 per year, billed on the annual property-tax bill in addition to HOA dues.
What is the HOA fee for 242 STARGAZE LN?
Homes in Beacon Lake have an HOA fee of about $61 per year (based on recent MLS listings).
What would the monthly payment be on 242 STARGAZE LN?
At about a 7.32% 30-year rate, the estimated monthly payment for 242 STARGAZE LN is roughly $4,126 with a conventional loan (20% down), $5,055 with FHA (3.5% down), or $4,961 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Beacon Lake HOA and CDD assessment. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the St. Johns County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.