4420 CARTER, St Augustine FL 32086, ST AUGUSTINE, FL, 32086
Active210 days on marketListed Dec 23, 2025MLS #A11934921
About this home
4420 CARTER, St Augustine FL 32086
SEVEN UNITS IN TOTAL TO BE PURCHASED ALL TOGETHER FOR $1,350,000, as follows : 4 units at 4420 CARTER ROAD that are all in one building and 3 units at 1845 OLD MOULTRI ROAD: (OR1633/1263) THE OAKS AT WILDWOOD CONDOCONDO UNIT 9 OR2569/1360 & 4551/1502 (OR1633/1263) THE OAKS AT WILDWOOD CONDOCONDO UNIT 10 OR2569/1378 & 4551/1502 (OR1633/1263) THE OAKS AT WILDWOOD CONDOCONDO UNIT 11 OR2569/1396 & 4551/1502 (OR1633/1263) THE OAKS AT WILDWOOD CONDOCONDO UNIT 12 OR2569/1413 & 4551/1502 MOULTRIE LAKES (OR1633/1203)CONDO UNIT 18 OR2366/1177& 4551/1502 MOULTRIE LAKES (OR1633/1203)CONDO UNIT 47 OR2366/1& 4551/1502 MOULTRIE LAKES (OR1633/1203)CONDO UNIT 77 OR2366/131& 4551/1502
Facts & features
The home at a glance
1982
Year built
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.
$7,973 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$9,164/mo
Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; 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 357% above the ST AUGUSTINE 32086 median. See the full St Augustine market guide →
Paper trail
This home's history
Reality check
What actually sold near 4420 CARTER
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$197,000
146 PHOENETIA DRIVE
2 bd · 2 ba · 850 sqft · $232/sqft · 16 DOM
Sold · Apr ’26$239,900
59 DELTONA BOULEVARD
2 bd · 2 ba · 1,066 sqft · $225/sqft · 200 DOM
Sold · Dec ’25$318,000
209 LAGUNA CT, St Augustine FL 32086
3 bd · 2 ba · 1,232 sqft · $258/sqft · 98 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4420 CARTER — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4420 CARTER — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
4420 CARTER FAQs
What would the monthly payment be for 4420 CARTER, St Augustine FL 32086?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,973/mo — principal and interest, estimated property taxes, the $317/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 4420 CARTER, St Augustine FL 32086?+
The association fee works out to $317 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4420 CARTER, St Augustine FL 32086?+
The most recent tax bill on record (2024) was $0. 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 $1,299,000, this home is listed about 195% above the St Augustine median of $439,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4420 CARTER, St Augustine FL 32086?+
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
Four things that matter here
01Positioned at the premium end
$1,299,000 runs 357% above the ST AUGUSTINE 32086 median.
02Time on market is leverage
210 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.
04The price has already moved
Listed at $1,350,000, now $1,299,000 — a $51K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Silverleaf Realty Group · Richard Corrales. MLS #A11934921.
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 Miami Association of REALTORS®.
Never miss a listing
New St Augustine homes, in your inbox
Like 4420 CARTER, St Augustine FL 32086 but not quite? A daily digest of every new listing in St Augustine — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Steeve to ping you on any price or status change →