4420 CARTER ROAD UNIT 47, ST AUGUSTINE, FL, 32086
Active18 days on marketListed Jul 3, 2026MLS #FC319727
About this home
4420 CARTER ROAD UNIT 47
**Fantastic opportunity at The Oaks at Wildwood!** Brand New Carpet! New Paint! The layout features two spacious bedrooms and a full bathroom upstairs, while the main level offers an open living area, kitchen, and convenient half bath. Step outside to a private porch overlooking a picturesque common area shaded by beautiful, mature oak trees. Nestled in a quiet location just 15 minutes from historic downtown St. Augustine and only 3 minutes from Publix, shopping, and dining, this home offers the perfect blend of tranquility and convenience. Whether you're looking for a great investment opportunity or a peaceful place to call home, this property delivers exceptional value. Opportunities at this price point in St. Johns County are becoming increasingly hard to find, making this an excellent opportunity for both homeowners and investors alike.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
870
Sqft
0.1 ac
Lot size
1982
Year built
Two
Levels
$171
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 — not generic estimates.
$1,238 /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
$1,238/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.
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
−29.5%
$/sqft vs St Augustine actives
$171 vs $241
Days on market
18 vs 39 typical
Where $171/sqft sits among the 178 St Augustine actives
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 32086 — neighborhood snapshot
Population
34,347
Median age
50.2
Median income
$74,508
Median home value
$342,000
Avg household
2.41
Households w/ children
3,407
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)
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 48% below the ST AUGUSTINE 32086 median. See the full St Augustine market guide →
Paper trail
This home's history
Reality check
What actually sold near 4420 CARTER ROAD UNIT 47
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$197,000
146 PHOENETIA DRIVE
2 bd · 2 ba · 850 sqft · $232/sqft · 16 DOM
Sold · Apr ’26$239,900
59 DELTONA BOULEVARD
2 bd · 2 ba · 1,066 sqft · $225/sqft · 200 DOM
Sold · Dec ’25$318,000
209 LAGUNA CT, St Augustine FL 32086
3 bd · 2 ba · 1,232 sqft · $258/sqft · 98 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4420 CARTER ROAD UNIT 47 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4420 CARTER ROAD UNIT 47 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4420 CARTER ROAD UNIT 47 FAQs
What would the monthly payment be for 4420 CARTER ROAD UNIT 47?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,238/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 4420 CARTER ROAD UNIT 47?+
The most recent tax bill on record (2025) was $1,630. 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 4420 CARTER ROAD UNIT 47?+
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 $148,900, this home is listed about 66% 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 4420 CARTER ROAD UNIT 47?+
Osceola Elementary School (elementary), R J Murray Middle School (middle), Mky- Head Start /Dpp Pk School (), First Coast Technical College (high), Pedro Menendez High School (high) — St. Johns County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of HAMMOCK REAL ESTATE GROUP · Laura Kulaga. MLS #FC319727.
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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