This home is in Waterford Lakes, St. Augustine.

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Active Under Contract

Active Under Contract·190 days on market·Waterford Lakes

164 Java Lane

St. Augustine, FL 32092

$325,000$181/sqftEst. $1,730/moMLS# 2102655

Beds

Baths

1,795

Sq Ft

2023

Built

Garage

Pool

About this home

Waterford Lakes

If you were looking to a STEAL in 2026 THIS Home is it! One of the LARGEST floor plans available in Waterford Lakes is PRICED TO SELL. Lets take a tour: As soon as you walk in your are welcomed by an open flow from the kitchen to living room, a mud room and a view of the Silverleaf preserve. Upstairs, you have a laundry room, with 2 additional bedroom a bath and the primary suite that offers the best views inside the home! This home is the perfect start to living your best Silverleaf lifestyle here in St Johns County! The Community of Waterford Lakes offers: Splash Pad Pool Fitness Center Front Gate Future Business coming to Silverleaf: Baptist Health Wolfsons Children's Hospital The Largest Publix *Rumored Super Target!* ***List price subject to lender/bank approval. Short sale pricing has not been approved yet until an offer accepted.***

Cost to own

Mortgage calculator

Home Price

$325,000

Down Payment: 20%

$65,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,642

Principal & Interest: $1,642

Est. Taxes & Insurance: $410

Estimated Total Monthly

$2,052

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$1,730

Property taxesest. at asking price, St. Johns County$432

HOAbilled quarterly$127

Estimated total, before insurance$2,289/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

Last sold: $374,000 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$327,729	$276,839	—
2024	$318,329	$268,329	—
2023	$64,000	$64,000	—
2022	$16,800	$16,800	—

2024 property taxes (current owner): $3,751/yr

Estimated taxes if purchased at asking price: ~$5,200/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 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2023)

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

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