This home is in Waterford Lakes, St. Augustine.
Active·292 days on market·Waterford Lakes
90 Ember Street
St. Augustine, FL 32092
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!
Cost to own
Mortgage calculator
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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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.
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.
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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- Sep 26, 2025Listed$334,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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 →Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Waterford Lakes
Active Under Contract$325,000MLS# 2102655Est. $1,730/mo164 Java Lane, St. Augustine, FL 320923 Beds2 Baths1,795 sqftIf you were looking to a STEAL in 2026 THIS Home is it! One of the LARGEST floor plans available in Waterford Lakes…
ResidentialKELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
Active$349,900MLS# 2136147Est. $1,862/mo497 Coastline Way, St. Augustine, FL 320923 Beds2 Baths1,795 sqftNo CDD fees!! Come fall in love with this beautiful townhome located in Waterford Lakes; Silverleaf's premier townhome…
ResidentialTHE LEGENDS OF REAL ESTATE
Active$309,000MLS# 2127692Est. $1,645/mo81 Temple Drive, St. Augustine, FL 320923 Beds2 Baths1,502 sqftBest Lot in Waterford Lakes - Corner Unit, Preserve + Pond Views, Oversized Yard Ask about lender incentives!!…
ResidentialONE SOTHEBY'S INTERNATIONAL REALTY
Active$294,999MLS# 2145167Est. $1,570/mo40 Barley Street, St. Augustine, FL 320922 Beds2 Baths1,442 sqftExceptional value in Silverleaf! Built in 2024, this beautifully maintained 2 bedroom, 2.5 bath townhome offers modern…
ResidentialRE/MAX BLUE COAST
Keep looking
Similar homes in St. Augustine
Your Local Expert
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Contact KristaText Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines