948 Oak Arbor Circle, FL 32084, FL, 32084
Active7 days on marketListed Jul 16, 2026MLS #B26053090
About this home
948 Oak Arbor Circle, FL 32084
Welcome to 948 Oak Arbor Circle, a beautifully maintained 3-bedroom, 2-bath home in the heart of St. Augustine! This move-in-ready home features an open floor plan with vaulted ceilings, luxury vinyl plank flooring, abundant natural light, and spacious living and dining areas designed for comfortable living and effortless entertaining. The kitchen overlooks the main living space and offers ample cabinetry, generous counter space, and a functional layout. The oversized primary suite includes a walk-in closet and private bath with dual vanities and a large walk-in shower. Relax year-round on the screened lanai overlooking the fully fenced backyard with plenty of room for pets, play, and outdoor gatherings. Major updates include a roof and HVAC, both approximately five years old. Conveniently located near top-rated schools, shopping, dining, historic downtown St. Augustine, beautiful beaches, and major roadways, this home offers the perfect blend of comfort, convenience, and Florida living. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,479
Sqft
0 ac
Lot size
2
Garage
2004
Year built
1
Levels
$237
Per sqft
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.
$2,864 /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
$2,864/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.
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 948 Oak Arbor Circle — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 948 Oak Arbor Circle — 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
948 Oak Arbor Circle FAQs
What would the monthly payment be for 948 Oak Arbor Circle, FL 32084?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,864/mo — principal and interest, the actual property-tax bill, the $87/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 948 Oak Arbor Circle, FL 32084?+
The association fee works out to $87 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 948 Oak Arbor Circle, FL 32084?+
The most recent tax bill on record (2025) was $4,831. 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 948 Oak Arbor Circle, FL 32084?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
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®.