This home is in Cascades at World Golf Village, St. Augustine.

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Active

Active·163 days on market·Cascades at World Golf Village

778 Copperhead Circle

St. Augustine, FL 32092

$363,000$209/sqftEst. $1,932/moMLS# 2101921

Beds

Baths

1,736

Sq Ft

2006

Built

Garage

Pool

About this home

Cascades at World Golf Village

Welcome to easy living in World Golf Village. This beautifully upgraded 3-bedroom, 2-bath home is tucked inside the gated 55+ community of Cascades at World Golf Village, The kitchen & bathrooms have been completely remodeled and feel clean, modern, and well done. The primary suite is a great retreat with dual walk-in closets and a spa-style bathroom featuring a wet room with a walk-in shower and plenty of room for a large shower bench, rainfall showerhead, and soaking tub all in one space. The 3rd bedroom has double doors and could work perfect as a den, office, or hobby room. Out back, there's a screened patio that's perfect for slow mornings with coffee or winding down in the evening, and beyond that is a fenced in yard. A window enclosure to the already screened in sunroom patio would enlarge your living space.

Cost to own

Mortgage calculator

Home Price

$363,000

Down Payment: 20%

$72,600

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,845

Principal & Interest: $1,845

Est. Taxes & Insurance: $461

Estimated Total Monthly

$2,306

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$1,932

Property taxesest. at asking price, St. Johns County$483

HOAbilled quarterly$420

Estimated total, before insurance$2,835/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, 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

Year	Market value	Taxable value	Change
2025	$318,052	$318,052	—
2024	$319,831	$319,831	—
2023	$304,944	$304,944	—
2022	$283,504	$283,504	—
2021	$221,276	$221,276	—
2020	$209,874	$209,874	—

2024 property taxes (current owner): $4,265/yr

Estimated taxes if purchased at asking price: ~$5,800/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 A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Shingle — year not disclosed (home built 2006)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,730 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

Informational 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

Feb 3, 2026Listed$363,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$363,000

Price / Sq Ft$209

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,736

Acres0.17 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address778 Copperhead Circle, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionWgv Cascades

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,405.2 sq ft

Parcel Number0292214070

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Pickleball, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Available, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower

AppliancesDishwasher, Electric Oven, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup

Spa FeaturesCommunity