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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St. Augustine — a waterfront home in St. Johns County.

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Sold

Sold·Closed May 23, 2025·98 days on market·Recent sales in SilverLeaf

184 Southlake Drive

St. Augustine, FL 32092

$400,000sold priceListed at $414,500 · 96.5% of asking$237/sqftMLS# 2066392
3
Beds
2
Baths
1,687
Sq Ft
2000
Built
2
Garage
Yes
Pool
HOA $33/mo16,553 sqft lotWaterfrontSingle Family Residence1 story

About this home

St. Augustine

SELLER OFFERING 7K TOWARDS BUYERS CLOSING COSTS with full price offer. Discover your dream home! This stunning pool home sits on a serene lake, offering breathtaking views and ultimate relaxation. Recently updated with brand-new windows, the home is bright and energy-efficient. Conveniently located close to shopping, major highways, and Top-Rated schools, it's perfect for families and commuters alike. Enjoy the benefits of a low HOA and No CDD fees, making this an affordable luxury.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,216
Property taxesest. at asking price, St. Johns County$532
HOAbilled annually$33
Estimated total, before insurance$2,781/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,558/yr · $380/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$400,000
$80,000
Loan Term
Monthly Payment
$2,216
Principal & Interest: $2,216
Property taxes (est.): $532
Insurance (est.): $267
Estimated Total Monthly
$3,015
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2000)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,718 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $4,558/yr

Estimated taxes if purchased at asking price: ~$6,400/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Jan 23, 2025Listed$414,500

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $227/sq ft; this home is listed at $246/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
809 S Edenbridge Way, St. Augustine, FL 32092Listed by THE WILKINS WAYJul 2026$385,000$2283/21,68700.4
1215 Woodchurch Lane, St. Augustine, FL 32092Listed by WATSON REALTY CORPJul 2026$425,000$2443/21,74140.4
308 Diana Court, St. Augustine, FL 32092Listed by JPAR CITY AND BEACHAug 2026$430,250$2164/21,995980.7
177 Southern Grove Drive, St. Johns, FL 32259Listed by TAH FLORIDA LLCSep 2026$330,000$2213/21,4961190.8
257 Johns Glen Drive, St. Johns, FL 32259Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEJul 2026$395,000$2013/21,966150.8
741 New Wales Lane, St. Augustine, FL 32092Listed by AIM REALTY OF JACKSONVILLEJul 2026$395,000$2273/21,741790.9

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$414,500
Price / Sq Ft$246
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,687
Acres0.38 acres
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontYes

Community Information

Address184 Southlake Drive, St. Augustine, FL 32092
Area304- 210 South
SubdivisionSouthlake
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size16,552.8 sq ft
Parcel Number0264420880

Amenities

AmenitiesPool, Basketball Court, Playground
UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewLake, Pond, Pool
Waterfront TypeLake Front, Pond

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringLaminate
# of Stories1
LaundryElectric Dryer Hookup
Spa FeaturesIn Ground

Exterior

Patio / PorchCovered
FencingFull, Wood
RoofShingle
ConstructionFrame, Stucco

Additional Information

Date ListedJanuary 23, 2025
Days on Market98
HOA Fees$400 / Annually
HOA FrequencyAnnually
Tax Amount$4,558.14
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 23, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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