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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 Waterford Lakes, St. Augustine — a gated community home in St. Johns County.

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Sold

Sold·Closed Dec 15, 2025·243 days on market·Recent sales in Waterford Lakes·Waterford Lakes

186 Coastline Way

St. Augustine, FL 32092

$258,000sold priceListed at $268,990 · 95.9% of asking$213/sqftMLS# 2069496
2
Beds
2.5
Baths
1,210
Sq Ft
2022
Built
1
Garage
No
Pool

18 more homes for sale in Waterford Lakes →Search Waterford Lakes on the map

HOA $118/moTownhouse2 stories

About this home

Waterford Lakes

Great Investment Opportunity in Top-Rated School District! Welcome to Waterford Lakes, a gated community where comfort meets convenience! This beautifully maintained gem features an open-concept first floor, perfect for entertaining. The spacious kitchen boasts granite countertops with bar seating, a pantry, and smart home features for modern living. Upstairs, you'll find two generously sized bedrooms, each with its own private full bathroom and extra-large walk-in closet—ideal for families, guests, or roommates. Enjoy resort-style amenities including a community center, fitness center, pool, splash pad, and picturesque nature trails. Located just minutes from top-rated schools, shopping, and dining, with low HOA fees and NO CDD fees, this home offers the best value in Waterford. Don't miss your chance to own this incredible property—schedule your showing today!

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$1,429
Property taxesest. at asking price, St. Johns County$343
HOAbilled quarterly$118
Estimated total, before insurance$1,890/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$258,000
$51,600
Loan Term
Monthly Payment
$1,429
Principal & Interest: $1,429
Property taxes (est.): $343
Insurance (est.): $172
Estimated Total Monthly
$1,944
*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.

Cost to own

Taxes & assessment

Last sold: $295,000 in October 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2024$234,928$234,928—
2023$238,959$238,959—
2022$56,000$56,000—

Estimated taxes if purchased at asking price: ~$4,100/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 (2024), NEFMLS.

History

Price & status history

  • Feb 10, 2025Listed$268,990

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 $229/sq ft; this home is listed at $222/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
98 Coastline Way, St. Augustine, FL 32092Listed by COMPASS FLORIDA LLCJun 2026$249,000$2062/2.51,210580.1
81 Temple Drive, St. Augustine, FL 32092Listed by ONE SOTHEBY'S INTERNATIONAL REALTYSep 2026$303,000$2023/2.51,5022100.2
260 Pine Bluff Drive, St. Augustine, FL 32092Listed by KELLER WILLIAMS ST JOHNSJun 2026$347,000$2503/21,38660.7
417 Pine Bluff Drive, St. Augustine, FL 32092Listed by WATSON REALTY CORPJun 2026$320,000$2083/2.51,539490.8
155 Wood Breeze Way, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$329,990$2363/2.51,396521
18 Kingsville Court, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCJul 2026$320,000$2293/2.51,396971

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$268,990
Price / Sq Ft$222
Bedrooms2
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,210
Year Built2022
TypeResidential
Sub-TypeTownhouse
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo
Gated CommunityYes

Community Information

Address186 Coastline Way, St. Augustine, FL 32092
Area304- 210 South
SubdivisionWaterford Lakes
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Parcel Number0265730810

Amenities

AmenitiesPool, Children's Pool, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management - Full Time
UtilitiesCable Available, Electricity Available, Electricity Connected, Natural Gas Available, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage, Garage Door Opener, Guest

Interior

Interior FeaturesBreakfast Bar, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Gas Range, Gas Water Heater, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryIn Unit
SecuritySecurity Gate

Exterior

Patio / PorchRear Porch

Additional Information

Date ListedFebruary 10, 2025
Days on Market243
HOA Fees$353 / Quarterly
HOA FrequencyQuarterly
HOA NameALSOP Property Management, LLC
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.

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.

The neighborhood

About Waterford Lakes

Waterford Lakes is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.

View all Waterford Lakes homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Dec 15, 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.

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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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