This home near St. Augustine's Historic District truly checks all the boxes. The roof is less than 10 years old, the HVAC system is brand new, and the water heater is less than two years old. According to FEMA, the property is located in Flood Zone X, a low-risk designation that typically means flood insurance is not required by most lenders, helping keep ownership costs down. 109 Marsh Island Circle is a solid concrete block home built along a quiet lake, offering both durability and peaceful water views. The low-maintenance lot requires minimal landscaping, making it ideal for the discerning buyer seeking easy living without sacrificing location. Enjoy close proximity to everything St. Augustine and Jacksonville have to offer while coming home to a serene waterfront setting. Call today for more information, including tentative insurance quotes, HOA documents, or to schedule your private showing.