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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.

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Sold

Sold·Closed Jan 28, 2026·245 days on market·Recent sales in SilverLeaf

177 Windwalker Drive

St. Augustine, FL 32092

$710,000sold priceListed at $735,000 · 96.6% of asking$209/sqftMLS# 2082787
4
Beds
4.5
Baths
3,390
Sq Ft
2020
Built
3
Garage
No
Pool
HOA $64/mo0.47 acresSingle Family Residence2 stories

About this home

St. Augustine

Experience elevated living in this exquisite 4-bedroom, 4.5-bath custom-built home, showcasing 3,390 sq. ft. of luxurious design and top-tier craftsmanship. Only 5 years old, this home offers the elegance of a model residence with premium upgrades throughout. The gourmet kitchen is a chef's dream, featuring stacked cabinetry reaching 10-foot ceilings, a custom range hood, double ovens, upgraded appliances, and a beautifully designed Butler's pantry. The open living space is enhanced by a gas fireplace, custom shiplap, built-ins, and refined wall paneling that bring warmth and character. The spacious primary suite and a secondary bedroom are located on the main level in a desirable split-bedroom layout—ideal for privacy and comfort. A dedicated office space adds functionality for remote work or study. All four bedrooms include walk-in closets and private en suite baths. Additional features: Water softener & tankless water heater for efficiency, 3-car garage, community pool.

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$3,933
Property taxesest. at asking price, St. Johns County$945
HOAbilled annually$64
Estimated total, before insurance$4,942/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,005/yr · $584/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

$710,000
$142,000
Loan Term
Monthly Payment
$3,933
Principal & Interest: $3,933
Property taxes (est.): $945
Insurance (est.): $473
Estimated Total Monthly
$5,351
*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 2020)

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

Solar potential: ~1,762 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

YearMarket valueTaxable valueChange
2025$561,133$561,133—
2024$538,294$538,294—
2023$509,964$509,964—
2022$491,069$478,982—
2021$435,438$435,438—
2020$85,000$85,000—

2024 property taxes (current owner): $7,005/yr

Estimated taxes if purchased at asking price: ~$11,300/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.

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 $241/sq ft; this home is listed at $217/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
108 Kendall Way, St. Augustine, FL 32092Listed by REAL BROKER LLCAug 2026$737,000$2315/4.53,195410.1
163 Vivian James Drive, St. Augustine, FL 32092Listed by HOUSE & HAVENSep 2026$635,000$2524/32,517170.4
2080 Crown Drive, St. Augustine, FL 32092Listed by COMPASS FLORIDA LLCOct 2026$625,000$2384/32,626900.6
479 Athens Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTYSep 2026$622,000$2413/2.52,577170.6
2064 Crown Drive, St. Augustine, FL 32092Listed by VENTURE DEVELOPMENT REALTYSep 2026$745,000$2823/32,6454060.7
324 Silver Glen Avenue, St. Augustine, FL 32092Listed by FLUID REALTY, LLC.Sep 2026$362,500$1364/2.52,66870.8

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

Price$735,000
Price / Sq Ft$217
Bedrooms4
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage3,390
Acres0.47 acres
Year Built2020
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo

Community Information

Address177 Windwalker Drive, St. Augustine, FL 32092
Area303-Palmo/Six Mile Area
SubdivisionWards Creek
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size20,473.2 sq ft
Parcel Number0279830290

Amenities

AmenitiesPool, Basketball Court
UtilitiesElectricity Available, Natural Gas Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Gas Cooktop, Gas Oven, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air, Multi Units
FlooringCarpet, Concrete, Tile
FireplaceYes
Fireplace FeaturesElectric
# of Stories2
LevelsTwo
LaundryGas Dryer Hookup, Lower Level, Washer Hookup
Spa FeaturesCommunity

Exterior

Patio / PorchCovered, Front Porch, Rear Porch, Screened
FencingFenced
RoofShingle
ConstructionComposition Siding, Frame
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedApril 28, 2025
Days on Market245
HOA Fees$770 / Annually
HOA FrequencyAnnually
HOA Fee IncludesOther
Tax Amount$7,005.02
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

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 28, 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.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

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

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