Homes for Sale in North St. Augustine (32095)

What Kind of Homes Are in 32095?

The housing stock in 32095 is a mix of single-family homes, townhouses, and a handful of condos. Most homes were built between 2000 and 2020, though older properties from the 1980s and 1990s still exist closer to US-1 and near older subdivisions.

You'll find everything from starter homes under 1,400 square feet to sprawling 3,000+ square-foot houses in gated communities. Lot sizes vary significantly—some subdivisions offer quarter-acre lots, while others have parcels over an acre, especially in areas north of County Road 214.

Architectural styles lean toward Florida ranch, Mediterranean, and modern coastal builds. Stucco exteriors, tile roofs, and open floor plans are standard. Unlike historic downtown St. Augustine, 32095 is almost entirely suburban in character.

Price Ranges and What to Expect

As of early 2026, the median home price in 32095 sits around $425,000, though you can still find homes in the low $300,000s and see listings climb well past $600,000 depending on location and features.

Townhomes and smaller single-family homes typically start around $275,000–$325,000. Mid-range single-family homes in established subdivisions run $375,000–$500,000. Larger homes in gated communities or on bigger lots often list between $500,000 and $750,000+.

Compared to the broader St. Augustine real estate market in 2026, North St. Augustine offers slightly more affordable entry points while still delivering strong appreciation and proximity to schools, shopping, and employment centers.

Inventory has tightened over the past two years, but 32095 typically sees more active listings than the historic downtown ZIP codes due to its size and ongoing development.

Major Neighborhoods and Subdivisions in 32095

Because 32095 is geographically large, it includes dozens of subdivisions. Here are some of the most notable:

• Julington Creek: A large master-planned community with multiple sections, HOA amenities like pools and playgrounds, and a range of home sizes.
• Aberdeen: Established neighborhood with tree-lined streets and homes from the early 2000s. Good balance of space and price.
• Sweetwater: Gated community with newer construction and larger lot sizes. HOA fees tend to be higher here.
• King's Crossing: One of the older neighborhoods in the ZIP, offering more affordable homes but fewer modern amenities.
• Cimarrone: Mid-sized community with a mix of builder styles. Close to schools and shopping along CR 210.

Each subdivision has its own HOA rules, fee structures, and amenities. Some include access to community pools, fitness centers, or golf courses, while others are more basic.

Schools, Shopping, and Day-to-Day Life

St. Johns County consistently ranks among the top school districts in Florida, and 32095 is served by several well-regarded elementary, middle, and high schools.

Shopping and dining options have expanded significantly in recent years. You'll find major retail along County Road 210 and US-1, including grocery stores, pharmacies, restaurants, and service providers. For more variety, downtown St. Augustine is about 15–20 minutes south, and Jacksonville's Southside is roughly 25 minutes north.

Commuters have relatively easy access to I-95 via exits near International Golf Parkway and CR 210. If you work in downtown Jacksonville, expect a 35–45 minute drive depending on traffic.

If you're trying to decide between North St. Augustine and Jacksonville proper, our comparison on St. Augustine vs Jacksonville breaks down commute times, cost of living, and lifestyle differences.

The Buyer Pool in 32095

32095 draws steady demand across a wide range of price points and housing needs. Buyers relocating from other states are a significant segment, drawn by the combination of newer housing stock, school access, and relative affordability compared to markets like South Florida or the Northeast.

The area includes strong options for first-time buyers, especially in townhome communities or smaller single-family homes. For insight on navigating the buying process, check out our first-time home buyer guide for Jacksonville and the First Coast.

Buyers seeking lower-maintenance, single-story homes or those prioritizing proximity to healthcare, shopping, and entertainment will also find appealing options here. Unlike denser areas closer to downtown, 32095 offers more space and a suburban feel.

Investors are present but less dominant than in urban Jacksonville neighborhoods. Single-family rentals in 32095 can perform well near major employers, but HOA restrictions in some communities limit rental activity.

What to Watch Out For

HOA fees vary widely across 32095. Some communities charge $50–$75 per month for basic lawn maintenance and street lighting, while gated neighborhoods with pools and clubhouses can run $150–$300+ per month. Always factor these into your budget.

Flood zones matter here. Parts of 32095 are near wetlands, creeks, and conservation areas. Check FEMA flood maps and ask about flood insurance costs before making an offer. Some homes require it; others don't.

Traffic along CR 210 and US-1 has increased as development continues. Rush hour backups are common, especially near I-95 exits. If commute time matters, test the drive during peak hours before buying.

New construction is ongoing in several sections of 32095. If you're buying in a developing area, expect construction noise, dirt roads, and evolving infrastructure. On the upside, you may get a newer home with a warranty and modern features.