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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 waterfront home in St. Johns County.

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Sold

Sold·Closed Jun 8, 2026·208 days on market·Recent sales in St. Augustine

107 Hammock Circle

St. Augustine, FL 32084

$585,000sold priceListed at $599,900 · 97.5% of asking$249/sqftMLS# 2092890
3
Beds
2
Baths
2,349
Sq Ft
1991
Built
2
Garage
No
Pool
HOA $413/mo6,098 sqft lotWaterfrontSingle Family Residence1 story

About this home

St. Augustine

Meticulously renovated waterfront home on a quiet cul-de-sac in the securely gated neighborhood of Villages of Vilano. This move-in-ready 3BR/2BA home offers a fully updated interior, including a 2024 custom kitchen with GE Café appliances, LVP flooring (2022), and fresh paint throughout. Major systems have all been replaced: new roof, hurricane-impact windows, HVAC, hot water heater, skylights, and toilets — all brand new in 2024. No carpet to be found here! Private paver courtyard and new fencing add outdoor charm. Enjoy peaceful lake views from one of two enclosed sunrooms. Third bedroom is being used as the second sunroom. HOA covers lawn care, irrigation (including water), and trash pickup. Amenities include indoor/outdoor pools, private beach walkover, tennis, fitness, RV/boat storage, and marina access. Just minutes to Vilano Beach and downtown St. Augustine. Life is a breeze at Villages of Vilano. Truly low-maintenance, luxury coastal living.

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$3,240
Property taxesest. at asking price, St. Johns County$778
HOAbilled monthly$413
Estimated total, before insurance$4,432/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,655/yr · $471/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

$585,000
$117,000
Loan Term
Monthly Payment
$3,240
Principal & Interest: $3,240
Property taxes (est.): $778
Insurance (est.): $390
Estimated Total Monthly
$4,409
*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.

Cost to own

Taxes & assessment

Last sold: $550,000 in August 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$474,211$423,489—
2024$482,514$418,171—
2023$454,535$404,535—
2022$456,908$456,908—
2021$315,474$315,474—
2020$277,536$139,697—

2024 property taxes (current owner): $5,655/yr

Estimated taxes if purchased at asking price: ~$9,300/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 $376/sq ft; this home is listed at $255/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
349 Village Drive, St. Augustine, FL 32084Listed by RE/MAX UNLIMITEDJun 2026$420,000$2483/21,693360.2
360 Village Drive, St. Augustine, FL 32084Listed by RE/MAX UNLIMITEDJun 2026$739,000$3523/22,0971480.2
301 Twenty-Second Street, St. Augustine, FL 32084Listed by DEKAY COASTAL PROPERTIESAug 2026$685,000$3173/22,158840.3
511 Twenty-First Street, St. Augustine, FL 32084Listed by NEXTHOME NEW BEGINNINGSJun 2026$820,000$3763/2.52,18390.3
609 Twenty Second Street, St. Augustine, FL 32084Listed by LINWARD REALTY, LLCMay 2026$1,100,000$6114/3.51,800120.3
225 Twentieth Street, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$862,500$4534/21,903870.4

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$599,900
Price / Sq Ft$255
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,349
Acres0.14 acres
Year Built1991
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
Gated CommunityYes

School Information

Community Information

Address107 Hammock Circle, St. Augustine, FL 32084
Area266-Vilano Beach
SubdivisionVillages Of Vilano
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size6,098.4 sq ft
Parcel Number1423720560

Amenities

AmenitiesPool, Basketball Court, Beach Access, Boat Dock, Boat Launch, Boat Slip, Cable TV, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Marina, Pickleball, RV/Boat Storage, Sauna, Security, Shuffleboard Court, Spa/Hot Tub, Storage, Tennis Court(s), Trash, Water
Community FeaturesGated
UtilitiesCable Available, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewLake, Pond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Downstairs, Wet Bar
AppliancesDishwasher, Dryer, Electric Cooktop, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories1
LevelsOne
LaundryIn Garage, Lower Level
Window FeaturesSkylight(s)
Security24 Hour Security, Gated with Guard, Security Gate

Exterior

Exterior FeaturesCourtyard, Impact Windows
Lot DescriptionCul-De-Sac
FencingFenced
Road FrontageHighway

Additional Information

Date ListedJune 8, 2026
Days on Market208
HOA Fees$413.11 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds, Security, Trash, Other
Tax Amount$5,655.45
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 8, 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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