This home is in Waterford Lakes, St. Augustine — a home near Beachside High School.
Active·383 days on market·Waterford Lakes
90 Ember Street
St. Augustine, FL 32092
17 more homes for sale in Waterford Lakes →Search Waterford Lakes on the map
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About this home
Waterford Lakes
Bright and airy 2023 Townhome in Gated Waterford Lakes - This well maintained home offers bright, open living space: 3-bedroom, 2.5-bath, a spacious 1 car garage, a screened lanai, and smart home upgrades. The spacious open kitchen is complete with granite countertops, walk-in pantry and plenty of storage space. All 3 bedrooms and 2 full bathrooms and laundry room are located on the second floor. The primary bedroom has an oversized closet and bathroom. Spacious screened in lanai offers an extension of your home. Enjoy community amenities, including a gym, pool, splash pad, and scenic nature trails, all while being minutes from top-rated A schools, Publix, shopping, dining, and a quick drive to St. Augustine's historic downtown, beautiful beaches. NO CDD! Low HOA fee! 8 years of builder warranty left! Don't miss out on this incredible opportunity to own in Silverleaf!
Next steps in Waterford Lakes
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — year not disclosed (home built 2023)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, 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
Last sold: $329,000 in May 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $300,392 | $249,670 | — |
| 2024 | $292,209 | $242,209 | — |
| 2023 | $64,000 | $64,000 | — |
| 2022 | $16,800 | $16,800 | — |
2024 property taxes (current owner): $3,424/yr
Estimated taxes if purchased at asking price: ~$5,300/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 (2025), NEFMLS.
History
Price & status history
- Jul 16, 2026Price change$330,000−$4,900
- Sep 26, 2025Listed$334,900
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 $200/sq ft; this home is listed at $196/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 81 Temple Drive, St. Augustine, FL 32092Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Sep 2026 | $303,000 | $202 | 3/2.5 | 1,502 | 210 | 0.1 |
| 127 Camphor Laurel Road, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Oct 2026 | $367,990 | $199 | 4/2.5 | 1,853 | 31 | 0.7 |
| 141 Camphor Laurel Road, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $369,990 | $200 | 4/2.5 | 1,853 | 4 | 0.7 |
| 95 Camphor Laurel Road, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Aug 2026 | $364,000 | $196 | 4/2.5 | 1,853 | 12 | 0.7 |
| 132 Delwood Way, St. Augustine, FL 32092Listed by JACKSONVILLE TBI REALTY, LLC | Oct 2026 | $399,000 | $199 | 3/2.5 | 2,002 | 118 | 0.8 |
| 1216 Brook Forest Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $418,408 | $222 | 4/3 | 1,885 | 0 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
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 →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines