28 MONTELLANO ROAD, ST AUGUSTINE, FL, 32084
Active156 days on marketListed Feb 18, 2026MLS #FC316258
About this home
28 MONTELLANO ROAD
READY NOW! Enjoy Spacious Living and Smart Design with The Osmond. This Express Series townhome offers more than meets the eye. With 1,109 square feet, this beautifully crafted plan is the perfect blend of comfort and style with 2 bedrooms and 2.5 bathrooms. The Osmond’s open-concept layout features a spacious kitchen which flows into a cozy living room, perfect for everyday living and entertaining. The large kitchen bar allows guests to gather and socialize while preparing meals. The sliding glass door leads to a covered patio allowing for seamless indoor and outdoor living. Upstairs, the main suite is your personal escape, complete with a roomy bathroom, vanity, and walk-in closet. Modern finishes and energy-efficient features make this home as practical as it is beautiful. The Osmond comes with D.R. Horton’s exclusive Home Is Connected® smart home package, giving you integrated smart devices to keep you connected and in control. Located in desirable North Florida neighborhoods, the Osmond is a great value for first time homebuyers. Contact our Online Sales Concierge to set up your tour today!
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,109
Sqft
0.04 ac
Lot size
2026
Year built
Two
Levels
$207
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.
$1,729 /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
$1,939/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
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.
vs edgeAI estimate
−6.3%
Days on market
156 vs 39 typical
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
Get to know St Augustine. See the full St Augustine guide →
ST AUGUSTINE 32084 — neighborhood snapshot
Population
36,998
Median age
43.9
Median income
$72,965
Median home value
$295,000
Avg household
2.43
Households w/ children
3,332
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 31% below the ST AUGUSTINE 32084 median. See the full St Augustine market guide →
Paper trail
This home's history
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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 28 MONTELLANO ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28 MONTELLANO ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
28 MONTELLANO ROAD FAQs
What would the monthly payment be for 28 MONTELLANO ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,729/mo — principal and interest, estimated property taxes, the $113/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 28 MONTELLANO ROAD?+
The association fee works out to $113 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 28 MONTELLANO ROAD?+
The most recent tax bill on record (2025) 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.
Are pets allowed at 28 MONTELLANO ROAD?+
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 $229,990, this home is listed about 48% 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 28 MONTELLANO ROAD?+
St. Augustine High School (high), First Coast Technical College (high), Sebastian Middle School (middle), Crookshank Elementary School (elementary), Mky- Head Start /Dpp Pk School () — St. Johns County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ST AUGUSTINE 32084 market on paper
$229,990 is 31% below the ST AUGUSTINE 32084 median of $332,500, and at $207/sqft it sits under the St Augustine average of $309.
02Time on market is leverage
156 days on market against a St Augustine median of 39 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
St. Augustine High School, First Coast Technical College, Sebastian Middle School, Crookshank Elementary School, Mky- Head Start /Dpp Pk School — St. Augustine High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $253,990, now $229,990 — a $24K cut. The full history is in the market section below.
Listing courtesy of DR HORTON REALTY INC. · Charlie Rogers. MLS #FC316258.
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.
Never miss a listing
New St Augustine homes, in your inbox
Like 28 MONTELLANO ROAD 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 Eric to ping you on any price or status change →