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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 home near St. Augustine High School.

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Sold

Sold·Closed Jan 29, 2026·334 days on market·Recent sales in St. Augustine

1021 Windward Way

St. Augustine, FL 32080

$495,000sold priceListed at $519,000 · 95.4% of asking$327/sqftMLS# 2072646
3
Beds
2
Baths
1,512
Sq Ft
2002
Built
2
Garage
No
Pool
HOA $106/mo5,663 sqft lotSingle Family Residence1 story

About this home

St. Augustine

LOCATION, LOCATION, LOCATION!!! Stunning and meticulously updated 2-bedroom plus BONUS room (BR 3/Den/Office), concrete block home with open split floor plan and gorgeous views overlooking a serene lake with majestic shade trees. Premier island location close to beach. Features include: durable and luxurious Shaw engineered wood flooring with Greenguard technology in all living areas, gourmet kitchen with KraftMaid Shaker-style innovative storage design cabinetry with seeded glass and soft-close features, high-level granite, porcelain tile, LG and Bosch appliances, primary bath custom vanity with high-level granite, new plumbing fixtures in kitchen and baths, dimmable modern lighting fixtures, new GFI's and smoke detectors, ceiling fans and custom Sunburst plantation shutters throughout, tray and vaulted ceilings, paver driveway and walkway, washer (new) and dryer included. Enjoy peace of mind that comes with a BRAND NEW HVAC WITH 12 YEAR PARTS/LABOR WARRANTY (July, 2025)

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$2,742
Property taxesest. at asking price, St. Johns County$659
HOAbilled quarterly$106
Estimated total, before insurance$3,506/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,395/yr · $450/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

$495,000
$99,000
Loan Term
Monthly Payment
$2,742
Principal & Interest: $2,742
Property taxes (est.): $659
Insurance (est.): $330
Estimated Total Monthly
$3,730
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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

2024 property taxes (current owner): $5,395/yr

Estimated taxes if purchased at asking price: ~$7,900/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

  • Sep 3, 2025Listed$519,000

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 $306/sq ft; this home is listed at $343/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1301 Flagship Court, St. Augustine, FL 32080Listed by HERRON REAL ESTATE LLCAug 2026$480,000$2673/21,796560.1
2361 Commodores Club Boulevard, St. Augustine, FL 32080Listed by ONE SOTHEBY'S INTERNATIONAL REALTYJun 2026$457,500$2903/21,580100.2
644 Nautical Way, St. Augustine, FL 32080Listed by STA REALTYAug 2026$508,000$2793/21,824580.3
2448 Oleander Street, St. Augustine, FL 32080Listed by REALTY ONE GROUP ELEVATEAug 2026$438,000$3063/21,43030.6
493 Pyrus Street, St. Augustine, FL 32080Listed by WATSON REALTY CORPJul 2026$495,000$4442/21,116160.7
1121 Overdale Road, St. Augustine, FL 32080Listed by DJ & LINDSEY REAL ESTATEJun 2026$610,000$3144/41,9441130.7

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$519,000
Price / Sq Ft$343
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,512
Acres0.13 acres
Year Built2002
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address1021 Windward Way, St. Augustine, FL 32080
Area331-St Augustine Beach
SubdivisionCommodores Club
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32080
Lot Size5,662.8 sq ft
Parcel Number1629318020
ZoningPUD

Amenities

AmenitiesBasketball Court, Clubhouse, Park, Playground, Tennis Court(s)
UtilitiesCable Connected, Electricity Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic, Well
ParkingGarage
ViewPond, Water

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchCovered, Porch, Rear Porch, Screened
ConstructionBlock, Stucco

Additional Information

Date ListedSeptember 3, 2025
Days on Market334
HOA Fees$317.4 / Quarterly
HOA FrequencyQuarterly
Tax Amount$5,394.85
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.

Sold by: 97 PARK LLC (buyer's brokerage)

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 Jan 29, 2026. 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

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