The story of this market
The typical home in ZIP 32095 sells for about $475,000, or $235 per square foot.
Prices are up +3.5% from a year ago, so sellers still have some momentum. Homes take about 87 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $2,676 a month.
ZIP 32095 — St. Augustine
The 32095 housing market remains resilient, characterized by steady demand and high median household incomes. While inventory has increased, the area's strong school district and ongoing residential development continue to support stable price growth.
This ZIP is ideal for families and professionals seeking high-quality schools, newer master-planned housing, and a suburban lifestyle within commuting distance of major Northeast Florida employment centers.
Median prices moved up 3.5% year over year.
Homes spend a median of 87 days on market with 11.2 months of supply — a slower-moving market.
35% of listings have cut prices · homes sell at 98% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.6% · poverty 7.5% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 32095, St. Johns County FL
The area is served by the St. Johns County School District, which is consistently ranked among the highest-performing districts in Florida.
The region faces significant wind and flood exposure due to its coastal proximity in Northeast Florida, necessitating robust property insurance coverage.
The area is experiencing rapid residential development and infrastructure expansion, driven by its proximity to Jacksonville and St. Augustine employment hubs.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Florida) — Statewide Uniform Property Tax Lien Priority & Tax Deed Sale Enforcement: Unpaid real ad valorem and non-ad valorem taxes become a first-priority sovereign lien on January 1 of the tax year, superior to all mortgages and private liens. If unpaid by April 1 following the tax year, tax certificates are sold via competitive bidding under § 197.432. State (Florida) — Community Development District (CDD) Special Assessment & Financing Lien Mandate: Binds the parcel to non-ad valorem assessments levied directly by the CDD board to fund infrastructure bonds (capital assessments) and operations/maintenance (O&M assessments). State (Florida) — Florida Constitutional Homestead Exemption & Save Our Homes (SOH) Assessment Cap: Reduces taxable value by up to $50,000: base $25,000 exemption applies to all taxing authorities (including school districts); second $25,000 exemption applies to assessed value between $50,000 and $75,000 for non-school millage. State (Florida) — Florida Ad Valorem Real Property Assessment & Tax Mechanics: Parcels are assessed annually at 100% just value (market value) as of January 1 by county property appraisers. Tax formula: Tax Bill = (Taxable Value / 1,000) * Total Levied Millage Rate. Assessed Value = Just Value - Assessment Limitations.
Residents primarily commute by car toward Jacksonville or St. Augustine, with average commute times around 29 minutes.
The ZIP features access to numerous golf courses, master-planned community amenities, and proximity to Atlantic coastal beaches and historic St. Augustine attractions.
The rental market is characterized by high demand from families and professionals, with a limited supply of multi-family units and a strong presence of single-family home rentals.
The local economy is anchored by the Jacksonville metropolitan area, with major sectors including healthcare, finance, logistics, and tourism.
Transportation is heavily reliant on private vehicles, with major access provided by I-95 and US-1 corridors.
Significant residential pipeline continues to expand the footprint of master-planned communities in the northern St. Johns County area.
The St. Johns County Property Appraiser manages assessments, with annual adjustments based on market value and state-mandated homestead exemptions.
Parcels are frequently subject to Community Development District (CDD) fees used to fund infrastructure in master-planned developments.
Property insurance premiums are elevated due to regional hurricane and windstorm risk, requiring specialized coverage.
Data retrieved from Census Reporter and ACS 2024 profiles.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
A premier golf facility serving the local community.
Nearby historic district offering dining, museums, and tourism.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.