Steeve Cadeau
$3,125,0007 bd6.5 ba5,920 sqft$528 /sqft$20,510 /mo all-in ↓

121 ASHTON OAKS DRIVE, ST AUGUSTINE, FL, 32092

Active45 days on marketListed Jun 5, 2026MLS #FC319063

Private poolSingle Family ResidenceRANCH CLUB/ASHTON OAKS

About this home

121 ASHTON OAKS DRIVE

Virtually Staged. A private estate designed for those who value space, exceptional craftsmanship, and a lifestyle beyond the ordinary. Tucked behind the gates of the exclusive Ranch Club at Ashton Oaks, this extraordinary custom-built estate offers a rare combination of luxury, privacy, and acreage living in Northwest St. Johns County. Set on 6.6 picturesque acres with panoramic pond-to-preserve views, the property delivers a lifestyle that is increasingly difficult to find and nearly impossible to replicate. Completed in 2024, the residence encompasses 5,920 square feet of thoughtfully designed living space featuring 7 bedrooms, 6 full baths, 1 half bath, a Private in-law suite, Separate guest apartment (1,200 sf), two dedicated executive offices, and expansive entertaining spaces. Every detail reflects unparalleled quality, from custom millwork and designer lighting to Command smart home integration, whole-home audio, Wellborn cabinetry, Monogram appliances and Starlink connectivity. A Generac whole-home generator, Water filtration systems, dual gas tankless water heaters and premium finishes are just a sample of the distinctive features found throughout the home. The chef's kitchen is designed to impress with both working island and serving islands, Gas range, French door double oven with air fryer & microwave, a walk-in pantry, dedicated coffee station with auto-fill water line, and abundant custom storage. The primary retreat offers a private sanctuary with a stunning views, spa-inspired bath, custom walk in closet, dressing room, electric fireplace, and direct access to outdoor living spaces. Designed for entertaining, the panoramic screened pool with dual water features, summer kitchen, stone fireplace and extended covered lanai is sure to become a favorite gathering spot. The estate also features a stocked pond and extends into the preserve area where it backs up to Six Mile Creek and Watson Island State Forest. Cross-fenced yard area is suitable for horses, dogs, or other small livestock. Detached climate-controlled workshop with oversized bays, RV hookup (electric, water, clean-outs), added carport storage and utility area creates exceptional flexibility. Separate guest accommodations are tucked away offering an attached in-law suite in the main house a separate 1 bedroom, 1 bath apartment with private access providing multiple ideal spaces for extended stays or multi-generational living. Residents enjoy access to community bridle trails, turn-out area, and pavilion amenities within a gated enclave of only 27 homes. Located within top-rated St. Johns County schools and convenient to Jacksonville, Ponte Vedra, and historic St. Augustine, residents enjoy easy access to championship golf, beaches, state parks, boating, award-winning dining, shopping, entertainment, and endless outdoor recreation. A truly exceptional estate where luxury, privacy, technology, and lifestyle converge.

Facts & features

The home at a glance

7

Bedrooms

6.5

Bathrooms

5,920

Sqft

6.66 ac

Lot size

5

Garage

2024

Year built

Two

Levels

$528

Per sqft

Private poolFireplaceTrees/Woods & Water viewPets allowed

Inside

FlooringLuxury Vinyl
AppliancesBuilt-In Oven · Convection Oven · Dishwasher · Disposal · Dryer · Gas Water Heater · Microwave · Range · Refrigerator · Tankless Water Heater · Washer · Water Filtration System · Water Softener · Wine Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Chair Rail · Coffered Ceiling(s) · Crown Molding · High Ceilings · Open Floorplan · Other · Primary Bedroom Main Floor · Smart Home · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Tray Ceiling(s) · Vaulted Ceiling(s) · Walk-In Closet(s) · Wet Bar
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air · Mini-Split Unit(s) · Other
HeatingCentral · Electric · Natural Gas

Outside & construction

RoofShingle
ConstructionCement Siding · Stone
FoundationSlab
ViewTrees/Woods · Water
FacesNortheast
ParkingBoat · Driveway · Garage Door Opener · RV Carport · RV Garage · RV Parking · Workshop in Garage
ExteriorDog Run · Lighting · Outdoor Kitchen · Outdoor Shower · Private Mailbox · Private Yard · RV Hookup · Sliding Doors

Community & fees

HOA fee$175/mo
Taxes (2025)$25,685/yr
PetsYes
CommunityDeed Restrictions · Gated Community - No Guard · Golf Carts OK · Horses Allowed

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Available · Electricity Connected · Natural Gas Available · Natural Gas Connected
WaterPrivate · Well

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.

$20,510 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$16,862
PMI (est., until 20% equity)$1,172
Property tax — 2025 actual bill$2,140
HOA fee — from the listing$175
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $312,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $312,500
Interest rate6.00%
Loan term

Estimated payment

$20,510/mo

Principal & interest$16,862
PMI (est., until 20% equity)$1,172
Property taxes (actual bill)$2,140
HOA / condo fee$175
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

$/sqft vs St Augustine actives

$528 vs $240

Days on market

45 vs 39 typical

Where $528/sqft sits among the 178 St Augustine actives

88
39
16
13
5
17 · this home
$175–239$239–304$304–368$368–432$432–497$497+

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 St Augustine

Map of 121 ASHTON OAKS DRIVE

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

ST AUGUSTINE 32092 — neighborhood snapshot

Population

48,288

Median age

41.4

Median income

$122,655

Median home value

$464,800

Avg household

2.87

Households w/ children

6,787

For the school run

St. Johns County School District

ElementaryPalencia Elementary School★★★★
HighAllen D Nease Senior 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 market2.9 months of inventoryBuyer’s market

$450K$400K

St Augustine median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

73 of 178

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 551% above the ST AUGUSTINE 32092 median. See the full St Augustine market guide →

Paper trail

This home's history

Jun 5, 2026Listed at $3,125,000 · 45 days on market since
2024Built · RANCH CLUB/ASHTON OAKS

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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 121 ASHTON OAKS DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 121 ASHTON OAKS DRIVE — 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.

Goes straight to Steeve’s phone and CRM.

Straight answers

121 ASHTON OAKS DRIVE FAQs

What would the monthly payment be for 121 ASHTON OAKS DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $20,510/mo — principal and interest, the actual property-tax bill, the $175/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 121 ASHTON OAKS DRIVE?+

The association fee works out to $175 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 121 ASHTON OAKS DRIVE?+

The most recent tax bill on record (2025) was $25,685. 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 121 ASHTON OAKS DRIVE?+

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 $3,125,000, this home is listed about 610% 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 121 ASHTON OAKS DRIVE?+

Palencia Elementary School (elementary), Allen D Nease Senior 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.

The brief

Three things that matter here

01Positioned at the premium end

$3,125,000 runs 551% above the ST AUGUSTINE 32092 median — but at 5,920 sqft it's also nearly 4 times the size of the typical St Augustine listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Strong assigned schools

Palencia Elementary School, Allen D Nease Senior High School, First Coast Technical College, Mky- Head Start /Dpp Pk School — Palencia Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of KELLER WILLIAMS ST. JOHNS · Christina Welch. MLS #FC319063.

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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