2981 PACETTI ROAD, ST AUGUSTINE, FL, 32092
Active354 days on marketListed Jul 31, 2025MLS #GC532952
About this home
2981 PACETTI ROAD
1.5 acres of Open Rural zoned land located just outside St. Augustine. This versatile property offers endless possibilities. A rare blend of space, flexibility, and convenience.
Facts & features
The home at a glance
1.5 ac
Lot size
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 — not generic estimates.
$3,423 /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
$3,423/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.
Where it sits
Inside St Augustine
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
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 4% above the ST AUGUSTINE 32092 median. See the full St Augustine market guide →
Paper trail
This home's history
Reality check
What actually sold near 2981 PACETTI ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$600,000
4485 SR 16 · same community
3 bd · 2 ba · 2,703 sqft · $222/sqft · 68 DOM
Sold · Nov ’25$339,983
128 SUNDANCE DRIVE
2 bd · 2 ba · 1,497 sqft · $227/sqft · 0 DOM
Sold · Jun ’26$300,000
387 APPLEJACK DRIVE
2 bd · 2 ba · 1,581 sqft · $190/sqft · 76 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2981 PACETTI ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2981 PACETTI ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
2981 PACETTI ROAD FAQs
What would the monthly payment be for 2981 PACETTI ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,423/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 2981 PACETTI ROAD?+
The most recent tax bill on record (2024) was $1,185. 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 $499,999, this home is listed about 14% 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 2981 PACETTI ROAD?+
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
01Time on market is leverage
354 days on market against a St Augustine median of 39 — sellers in this position are usually ready to negotiate.
02Strong 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.
03The price has already moved
Listed at $549,000, now $499,999 — a $49K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER COMMERCIAL PREMIER PROPERTIES · Eric Maimo. MLS #GC532952.
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 2981 PACETTI 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 Kat to ping you on any price or status change →