This home is in Windward Ranch, St. Augustine — a home near St. Augustine High School.
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Sold·Closed Dec 22, 2025·9 days on market·Recent sales in Windward Ranch·Windward Ranch
86 Saint Kitts Loop
St. Augustine, FL 32092
7 more homes for sale in Windward Ranch →Search Windward Ranch on the map
About this home
Windward Ranch
Live the resort lifestyle in sought-after Windward Ranch! This stunning 5-bedroom, 4-bath luxury home offers a heated, screen-enclosed pool, no CDD fees, and a VA assumable loan at just 2.25%! Inside, the open-concept design showcases a gourmet kitchen with double ovens and an expanded pantry—perfect for those who love to cook, entertain or large family. The primary suite is conveniently located downstairs and features a recently remodeled spa-like bath with an oversized walk-in shower (tub removed for extra space) and custom built-in closets. A guest suite with a full bath on the main level is ideal for in-laws or visitors, while upstairs offers a loft and three additional bedrooms and 2 bathrooms. 3 car garage with storage options. Be sure to ask for the Features Sheet with the many extras in this home!! Enjoy Windward Ranch's resort-style amenities—a pool, miniature golf, fitness center, and clubhouse café with food and adult beverages
Next steps in Windward Ranch
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2017)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,798 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 homeThis 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 7:26 AM, sunset 6:57 PM.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Morning coffee happens in shade; the front of the home takes the sunrise.
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
2024 property taxes (current owner): $254/yr
Estimated taxes if purchased at asking price: ~$11,400/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
- Nov 11, 2025Listed$729,990
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 $199/sq ft; this home is listed at $215/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 471 Saint Kitts Loop, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Aug 2026 | $619,000 | $196 | 4/4 | 3,165 | 24 | 0.1 |
| 182 Saint Kitts Loop, St. Augustine, FL 32092Listed by ASSIST2SELL FULL SERVICE REALTY LLC. | Jul 2026 | $535,000 | $197 | 4/3.5 | 2,717 | 110 | 0.1 |
| 1112 Hawk Watch Circle, St. Augustine, FL 32092Listed by SIGNATURE REALTY ASSOCIATES | Jul 2026 | $528,000 | $216 | 3/2 | 2,445 | 43 | 0.6 |
| 361 Coco Point, St. Augustine, FL 32092Listed by REAL BROKER LLC | Jul 2026 | $620,000 | $196 | 4/3 | 3,160 | 0 | 0.7 |
| 741 Tintamarre Drive, St. Augustine, FL 32092Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY | Jul 2026 | $585,000 | $213 | 4/3.5 | 2,748 | 60 | 0.7 |
| 101 Seamount Way, St. Augustine, FL 32092Listed by SIGNATURE REALTY ASSOCIATES | Jun 2026 | $670,000 | $199 | 5/4.5 | 3,374 | 51 | 0.7 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY
Sold by: HAMILTON HOUSE REAL ESTATE GROUP, LLC (buyer's brokerage)
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 Windward Ranch
Windward Ranch is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.
View all Windward Ranch homes for sale →Keep looking
More homes in Windward Ranch
Pending37 Nevis Peak LaneSt. Augustine, FL 32092
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For Sale10 Montserrat DriveSt. Augustine, FL 32092
4 bd · 3 ba · 2,027 sq ft
$480,000Est. $2,555/moEnjoy the ease of single-story living in the gated community of Windward Ranch. Built in 2021, 10 Montserrat Drive…
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For Sale251 Tintamarre DriveSt. Augustine, FL 32092
3 bd · 2 ba · 2,126 sq ft
$470,000Est. $2,502/moWelcome to this 3 bedroom, 2 full bath home located in the highly sought after, gated Windward Ranch. This gem includes…
Listing Office: signature realty associates
For Sale21 Antilles RoadSt. Augustine, FL 32092
4 bd · 2.5 ba · 2,430 sq ft
$429,900Est. $2,288/moThis 4-bedroom, 2.5-bathroom two-story home is situated on a desirable corner lot just close to the waterfront,…
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Dec 22, 2025. 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines