Saint Augustine 32095

Name: 32095 Saint Augustine, FL housing market record
Creator: Lotvox
License: https://lotvox.com/terms

Saint Johns County, FL · 13,313 properties with county records

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Saint Augustine 32095 is in Saint Johns County, FL. The typical home value in Saint Augustine 32095 is $498,380 (Zillow Home Value Index, August 2026), down 1.2% from a year earlier. Homes that sold went under contract in a median 72 days, and 33% of listings took a price cut (Redfin Data Center, period ending Aug 31, 2026). On Lotvox's market-leverage reading of that data, with 3.8 months of supply, sellers hold a slight edge. The Lotvox Turnover Index is not published for 32095 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Saint Johns County's 10 ZIPs with a Zillow value, the middle one is $481,248, so 32095 sits 4% above the county middle. Typical rent is $2,169 a month (Zillow Observed Rent Index, August 2026). Lotvox holds county assessor records for 13,313 properties in 32095.

Headline value data through August 2026. Each source below carries its own date.

Is 32095 a buyer's or seller's market?

By Lotvox's leverage reading of Redfin data through Aug 31, 2026, 32095 is a seller's market, narrowly. Homes went under contract in a median 72 days with 3.8 months of supply.

What do homes in 32095 sell for?

The typical home value in 32095 is $498,380 (Zillow Home Value Index, August 2026), down 1.2% in a year. County records put the median at about $219 per square foot (computed Apr 21, 2026).

Who is likely to sell in 32095?

Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 32095 has not passed that test yet. When it does, the score appears here.

How does 32095 compare to Saint Johns County?

32095's typical value of $498,380 compares with a middle value of $481,248 across Saint Johns County's 10 ZIPs. Both are Zillow Home Value Index figures for August 2026.

Where does this 32095 data come from?

Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.

Sources: Zillow Home Value Index (ZHVI) (as of Aug 31, 2026) · Redfin Data Center (as of Aug 31, 2026) · Zillow Observed Rent Index (ZORI) (as of Aug 31, 2026) · county assessor records (counted Oct 15, 2026) · How Lotvox works

Cite as: Lotvox ZIP market record, 32095 Saint Augustine, FL, data through August 2026, https://lotvox.com/st-johns-county-fl/zip/32095

Listings Flow Ladder — Listings flow could not be loaded (429).

Should you buy here?

buyer-timing lens

60affordability /100

Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.

Payment burden

26.6%

affordable

Days on market

daily

Price cuts

33.0%

of active

Valuation

-20.1%

vs assessor

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Rent vs own

Not available for this ZIP — no rent or ownership-cost estimate published here.

Rent to price

Not available for this ZIP — no price-to-rent ratio published here.

/100

mixed

cooling · seller slight · prices easing year-over-year.

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / seller

buyer-timing lens

Balanced Market

DOM: 109d (stable) · Market Dynamics rolling median · hourly

Score Components

Payment Burden (25%)0

Valuation Gap (25%)60

Supply & Demand (20%)100

Buy vs Rent (15%)50

Cancellation Rate (10%)100

Days on Market (5%)100

Balanced market in 32095. List price is roughly fair — focus on condition and value. Payment burden: 24.5% of median income. Median days on market: 109. Renting is approximately 58% cheaper than buying (price-to-rent ratio: 19.0).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.

COOLINGSELLER SLIGHT

Market is cooling with expanding inventory. Sellers hold a slight edge. Prices down 1.2% YoY.

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<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/st-johns-county-fl/zip/32095?utm_source=embed&utm_medium=backlink">Saint Augustine 32095 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshot

each number, once

Median price

$498,380

▾ 1.2% YoY

Days on market

daily · zip_data

Median rent

$2,169

ZORI

Investor score

48/100

cash-flow lens

Active listings

237

90-day

Valuation

3 lenses, different anchors

vs assessor

-20.1%

Market vs assessed value — a tax-roll lag, not a deal signal.

Avg assessor$398,000

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+59.9%

County-wide market — the widest, slowest signal.

St. Johns+59.9%

Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.

Pricing detail

Price / sqft$219

Price-to-income4.0×

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How 32095 ranks in FL

percentile vs all FL ZIPs

Comparative ranking not available for this ZIP.

Affordability, supply & momentum

18SUPPLY

OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply18.0 mo

Days on Market72d

Inv vs History-19.4%

Listing Density40.9/1k

Market dynamics

Price cut %33.0%

Momentumcooling

LeverageSELLER SLIGHT

Months of supply3.8

Sales (90d)188

Investment analysis

Median rent$2,169

Price-to-rent19.0

Est. cap rate3.4%

Buy vs rentneutral

Livability

Walk score—

Transit score—

Bike score—

Historical trends

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Housing pulse

4 charts, one facade

Housing pulse — Housing pulse could not be loaded (429).

Price bands

mix-shift

Price Bands — the median behind the median

A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in St. Johns.

Current tiers · 12 months to Aug 25floor 10 sales/tier

1 tier had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row.

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	$224k	$183	88	7.8%	ZIP
$250k–$500k	$367k	$182	633	56.2%	ZIP
$500k–$750k	$575k	$203	283	25.1%	ZIP
$750k–$1M	$825k	$231	75	6.7%	ZIP
$1M–$1.5M	$1.20M	$290	31	2.8%	ZIP
$1.5M–$2M	$1.71M	$334	11	1.0%	ZIP
$2M+	$2.60M	$587	208	—	COUNTY · St. Johns, FL
All sales (the headline median)	$430k	$191	1,127	100%	ZIP

No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.

National context — not local

NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 32095.

United States
South

Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.

Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.

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Saint Johns County context

macro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

ZIP 32095→St. Johns County, FL

12-Month Direction

-5Stable

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

40· Weak

Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.

Payment Burden

26.6%

affordable

Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.4% · Zillow ZHVI · Census income · Updated 2026-10-08

Price-to-rent

19.1x

neutral

Source: Zillow ZHVI ÷ (Zillow ZORI × 12)

Valuation17

+59.9%

overvalued

Source: Lotvox comps · Updated 2026-05-15