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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 WGV Heritage Landing, St. Augustine — a home near Tocoi Creek High School.

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Pending

Pending·505 days on market·WGV Heritage Landing

812 Wards Creek Lane

St. Augustine, FL 32092

$459,000$161/sqftEst. $2,542/moMLS# 2088442
4
Beds
3
Baths
2,847
Sq Ft
2012
Built
3
Garage
No
Pool

10 more homes for sale in WGV Heritage Landing →Search WGV Heritage Landing on the map

FEMA Zone XHOA $11/mo9,583 sqft lotSingle Family Residence2 stories

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About this home

WGV Heritage Landing

Welcome to this stunning home in Heritage Landing at World Golf Village! This spacious residence features a split-bedroom layout with a private guest room and full bath, a large primary suite with bay window, tray ceilings, and a spa-like bath. The open concept living and dining area flows into an upstairs bonus room, perfect for a home office or entertainment space. Enjoy outdoor living on the screened-in covered patio overlooking a generous backyard ready for your personal touch. Additional highlights include a freshly painted exterior, 3-car garage, wide driveway, and access to top-tier community amenities, pools, clubhouse, fitness center, tennis courts, playgrounds, and more. Located in desirable St. Johns County!

Next steps in WGV Heritage Landing

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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$2,542
Property taxesest. at asking price, St. Johns County$611
HOAbilled annually$11
Estimated total, before insurance$3,164/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,202/yr · $433/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

$459,000
$91,800
Loan Term
Monthly Payment
$2,542
Principal & Interest: $2,542
Property taxes (est.): $611
Insurance (est.): $306
Estimated Total Monthly
$3,459
*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.

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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2012)

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

Solar potential: ~1,742 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

As 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:30 AM, sunset 6:52 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

Last sold: $500,000 in June 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$440,610$389,888—
2024$453,912$403,912—
2023$457,677$407,677—
2022$432,146$193,224—
2021$291,233$186,140—
2020$273,007$182,880—

2024 property taxes (current owner): $5,202/yr

Estimated taxes if purchased at asking price: ~$7,300/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 9, 2026Pending$459,000
  • May 30, 2025Listed$459,000

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 $228/sq ft; this home is listed at $161/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
741 Flowers Street, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLCSep 2026$530,000$1535/33,4591030.4
712 Flowers Street, St. Augustine, FL 32092Listed by FLORIDA CONCIERGE REAL ESTATEAug 2026$395,000$1804/22,198490.4
2781 Oakgrove Avenue, St. Johns, FL 32092Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYOct 2026$630,000$2283/32,767850.5
757 Flowers Street, St. Augustine, FL 32092Listed by WATSON REALTY CORPAug 2026$524,900$2365/32,221120.5
4232 S Franklinia Street, St. Augustine, FL 32092Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTYAug 2026$629,900$2234/32,823570.6
3317 E Heritage Cove Drive, St. Augustine, FL 32092Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$1,125,000$3314/3.53,39680.7

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$459,000
Price / Sq Ft$161
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,847
Total Structure Area3,681 sq ft
Acres0.22 acres
Year Built2012
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusPending
# of Garages3
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

School Information

Community Information

Address812 Wards Creek Lane, St. Augustine, FL 32092
Area309-World Golf Village Area-West
SubdivisionWgv Heritage Landing
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size9,583.2 sq ft
Parcel Number2881084550
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Playground, RV/Boat Storage, Tennis Court(s)
UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Dryer, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Patio / PorchRear Porch, Screened
RoofShingle
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMay 30, 2025
Days on Market385
HOA Fees$135 / Annually
HOA FrequencyAnnually
HOA NameHeritage Landing HOA
Tax Amount$5,201.64
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER LLC

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 WGV Heritage Landing

WGV Heritage Landing is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.

View all WGV Heritage Landing homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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