8321 HARDWOOD LANDING ROAD, ST AUGUSTINE, FL, 32092
Active152 days on marketListed Mar 4, 2026MLS #O6382806
About this home
8321 HARDWOOD LANDING ROAD
Waterfront Estate | 125 Ft on Deep Water Creek to the St. Johns River and 125 ft road frontage. Experience the rare combination of privacy, acreage, and direct water access. This exceptional property offers approximately 125 feet of frontage on a deep-water creek with effortless access to the St. Johns River—ideal for boating, fishing, and true Florida waterfront living. Situated on a 2.5-acre parcel this estate provides flexibility for future investment or multigenerational living. A private dock with covered boat slip makes days on the water seamless. The residence features 3 bedrooms and 2 baths, thoughtfully designed for comfort and functionality. An inviting eat-in kitchen with prep island and walk-in pantry anchors the home, complemented by formal living and dining spaces, a generous family room with wood-burning fireplace, and expansive outdoor living areas. Enjoy mornings on the large wood front porch and unwind on the oversized screened porch overlooking your peaceful acreage. A durable metal roof and attached carport complete the offering. With no HOA restrictions, you have the freedom to bring your horses, RV, golf cart, and all your recreational toys. Surrounded by neighboring homes on two or more acres, the setting offers remarkable privacy—yet remains conveniently close to shopping and I-95 for an easy commute. A rare opportunity to own substantial waterfront acreage with both freedom and convenience.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,976
Sqft
2.5 ac
Lot size
1999
Year built
One
Levels
$329
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.
$4,034 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,034/mo
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.
vs edgeAI estimate
+50.5%
$/sqft vs St Augustine actives
$329 vs $244
Days on market
152 vs 39 typical
Where $329/sqft sits among the 174 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 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 → $415K
St Augustine median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
80 of 174
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 35% 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 8321 HARDWOOD LANDING ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$447,500
31 TOWER COURT
4 bd · 2.5 ba · 1,968 sqft · $227/sqft · 91 DOM
Sold · Apr ’26$435,000
422 BROOK FOREST DRIVE
4 bd · 2.5 ba · 1,968 sqft · $221/sqft · 59 DOM
Sold · Jul ’26$458,900
388 BROOK FOREST DRIVE
4 bd · 2.5 ba · 1,968 sqft · $233/sqft · 0 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 8321 HARDWOOD LANDING ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8321 HARDWOOD LANDING ROAD — 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
8321 HARDWOOD LANDING ROAD FAQs
What would the monthly payment be for 8321 HARDWOOD LANDING ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,034/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 8321 HARDWOOD LANDING ROAD?+
The most recent tax bill on record (2025) was $1,515. 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 $649,500, this home is listed about 48% 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 8321 HARDWOOD LANDING 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
Five things that matter here
01Positioned at the premium end
$649,500 runs 35% above the ST AUGUSTINE 32092 median — but at 1,976 sqft it's also 25% larger than the typical St Augustine listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
152 days on market against a St Augustine median of 39 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $899,500, now $649,500 — a $250K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
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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