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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 Lakes, St. Augustine — a waterfront home in St. Johns County.

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Sold

Sold·Closed Sep 3, 2026·119 days on market·Recent sales in St Augustine Lakes·St Augustine Lakes

239 Blue Cypress Trail

St. Augustine, FL 32084

$540,000sold priceListed at $555,000 · 97.3% of asking$202/sqftMLS# 2117779
5
Beds
3.5
Baths
2,670
Sq Ft
2024
Built
2
Garage
Yes
Pool

6 more homes for sale in St Augustine Lakes →Search St Augustine Lakes on the map

FEMA Zone XHOA $61/mo6,534 sqft lotWaterfrontSingle Family Residence2 stories

About this home

St Augustine Lakes

Experience the Florida lifestyle from your own backyard oasis! The heated saltwater pool overlooks a tranquil pond and preserve, with no neighbor and preserve land on one side, creating the perfect setting for entertaining or relaxing year-round while enjoying privacy and picturesque views. Built in 2024, this exceptional home offers the perfect blend of modern design, comfort, and functionality. Step inside to a bright, open-concept floor plan designed for both everyday living and effortless entertaining. The gourmet kitchen serves as the heart of the home, featuring quartz countertops, a custom tile backsplash, abundant cabinetry, and an oversized island overlooking the dining and living areas. Just off the main living space, you'll find a private enclosed study--ideal for a home office, playroom, or flexible living area.

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$2,991
Property taxesest. at asking price, St. Johns County$719
HOAbilled quarterly$61
Estimated total, before insurance$3,770/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,553/yr · $296/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

$540,000
$108,000
Loan Term
Monthly Payment
$2,991
Principal & Interest: $2,991
Property taxes (est.): $719
Insurance (est.): $360
Estimated Total Monthly
$4,070
*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.

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: Shingle — year not disclosed (home built 2024)

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

As of July 2026, 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

Last sold: $488,400 in May 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$432,790$382,068—
2024$70,000$70,000—

2024 property taxes (current owner): $3,553/yr

Estimated taxes if purchased at asking price: ~$8,600/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.

History

Price & status history

  • Sep 3, 2026Closed$555,000
  • Aug 4, 2026Active Under Contract$555,000
  • May 18, 2026Listed$555,000

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 $191/sq ft; this home is listed at $208/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
264 Lake Sinclair Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS JACKSONVILLEAug 2026$399,900$1974/32,02730.1
56 Disston Cove, St. Augustine, FL 32084Listed by SUNSHINE REALTY LLCAug 2026$399,000$1914/32,08880.1
21 Bethesda Court, St. Augustine, FL 32084Listed by LENNAR REALTY INCApr 2025$383,084$1824/22,10610.1
63 Bethesda Court, St. Augustine, FL 32084Listed by LENNAR REALTY INCApr 2025$369,494$1754/22,106840.1
27 Blue Cypress Trail, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2026$390,000$1924/32,027190.2
131 Beauclair Boulevard, St. Augustine, FL 32084Listed by EXP REALTY LLCAug 2026$430,000$1904/3.52,2651050.2

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$555,000
Price / Sq Ft$208
Bedrooms5
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,670
Total Structure Area3,356 sq ft
Acres0.15 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Salt Water, Screen Enclosure
Is WaterfrontYes

Community Information

Address239 Blue Cypress Trail, St. Augustine, FL 32084
Area336-Ravenswood/West Augustine
SubdivisionSt Augustine Lakes
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size6,534 sq ft
Parcel Number0954162390

Amenities

AmenitiesPool, Playground
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyAppliances
ParkingAdditional Parking, Attached, Garage, Garage Door Opener
ViewPond, Protected Preserve
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Tub with Shower, Primary Downstairs, Smart Home, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Water Softener Owned
HeatingElectric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Laminate, Tile
# of Stories2
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front
Patio / PorchFront Porch, Porch, Screened
RoofShingle
ConstructionComposition Siding
Road SurfaceAsphalt

Additional Information

Date ListedMay 19, 2026
Days on Market119
HOA Fees$182 / Quarterly
HOA FrequencyQuarterly
Tax Amount$3,553.36
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LPT 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.

The neighborhood

About St Augustine Lakes

St Augustine Lakes is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all St Augustine Lakes homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 3, 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

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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