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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 pool home in St. Johns County.

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Sold

Sold·Closed Mar 10, 2026·193 days on market·Recent sales in World Golf Village

1818 W Cobblestone Lane

St. Augustine, FL 32092

$695,000sold priceListed at $699,900 · 99.3% of asking$209/sqftMLS# 2100897
5
Beds
3
Baths
3,318
Sq Ft
2003
Built
3
Garage
Yes
Pool
HOA $217/mo12,632 sqft lotSingle Family Residence1 story

About this home

St. Augustine

Experience Florida luxury living at its finest in this beautifully upgraded 5-bedroom, 3-bath pool home, nestled on a private cul-de-sac lot in the gated community of King & Bear in World Golf Village. With over 3,000 square feet of living space, this move-in-ready home features an open-concept layout, soaring ceilings, engineered hardwood floors, crown molding, a gas fireplace, and custom finishes throughout. At the heart of the home is a gourmet kitchen with granite countertops, a large center island, stainless steel appliances, and a spacious walk-in pantry—perfect for both everyday living and entertaining. The main-level primary suite offers a tranquil retreat with a tray ceiling, dual walk-in closets, and a spa-like en-suite bath with a soaking tub and separate shower. Upstairs, a versatile bonus room provides the ideal space for a media room, playroom, or guest suite. Step outside to your own private oasis with a screened lanai, sparkling pool and spa, and a paver deck.

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$3,850
Property taxesest. at asking price, St. Johns County$925
HOAbilled quarterly$217
Estimated total, before insurance$4,991/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$9,028/yr · $752/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

$695,000
$139,000
Loan Term
Monthly Payment
$3,850
Principal & Interest: $3,850
Property taxes (est.): $925
Insurance (est.): $463
Estimated Total Monthly
$5,238
*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 2003)

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

Solar potential: ~1,714 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

2024 property taxes (current owner): $9,028/yr

Estimated taxes if purchased at asking price: ~$11,100/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, NEFMLS.

History

Price & status history

  • Jul 28, 2025Listed$699,900

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 $223/sq ft; this home is listed at $211/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2064 Crown Drive, St. Augustine, FL 32092Listed by VENTURE DEVELOPMENT REALTYSep 2026$745,000$2823/32,6454060.5
2080 Crown Drive, St. Augustine, FL 32092Listed by COMPASS FLORIDA LLCOct 2026$625,000$2384/32,626900.6
741 Flowers Street, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLCSep 2026$530,000$1535/33,4591030.9
4232 S Franklinia Street, St. Augustine, FL 32092Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTYAug 2026$629,900$2234/32,823571.1
425 Fort Drum Court, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEJul 2026$540,000$1595/33,389181.1
324 Silver Glen Avenue, St. Augustine, FL 32092Listed by FLUID REALTY, LLC.Sep 2026$362,500$1364/2.52,66871.2

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$699,900
Price / Sq Ft$211
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage3,318
Total Structure Area4,459 sq ft
Acres0.29 acres
Year Built2003
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

Community Information

Address1818 W Cobblestone Lane, St. Augustine, FL 32092
Area309-World Golf Village Area-West
SubdivisionSt Johns Six Mile Creek North
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size12,632.4 sq ft
Parcel Number2880050420

Amenities

UtilitiesCable Available, Electricity Available, Natural Gas Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPool, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Lower Level, Washer Hookup
Spa FeaturesIn Ground

Exterior

Patio / PorchCovered, Patio, Screened
RoofShingle

Additional Information

Date ListedJuly 28, 2025
Days on Market193
HOA Fees$650 / Quarterly
HOA FrequencyQuarterly
Tax Amount$9,027.98
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HOMES AND LAND BROKERS INC.

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 Mar 10, 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

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.

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