This home is in St. Augustine — a home near St. Augustine High School.
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Sold·Closed Apr 15, 2026·71 days on market·Recent sales in St. Augustine
2103 Golden Lake Loop 2103
St. Augustine, FL 32084
About this home
St. Augustine
Beautiful two-level condo with garage located in the desirable Sebastian Cove community. This Golden Lake Loop residence offers three bedrooms and two baths, providing plenty of room for the whole family. The spacious kitchen has room for a center island and features stainless steel appliances, 42 inch cabinets, tile and luxury vinyl plank flooring throughout, and a new commercial-grade water heater. The open floor plan creates a warm, spacious inviting living space. French doors open to a screened balcony overlooking a tranquil private preserve perfect to relax or drink your coffee in the mornings. Community amenities include pool, playground, and fitness center. Ideally located just minutes from I-95, St. Augustine Outlets, beaches, and historic downtown. Situated in St. Johns County with top A rated schools. An excellent opportunity for first-time buyers, those looking to downsize, or investors, with one of the lowest HOA fees in the area. Come and see this great home!
Next steps in St. Augustine
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 (that applies to the reference bill above too).
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: ~1,749 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Mussallem Beachfront Parkabout 5 mi · 48 parking spaces
Closest park or preserve
Twelve Mile Swamp Conservation Areaabout 0.5 mi · 2.2 mi of trails
Closest public boat ramp
Vilano Public Boat Rampabout 5 mi · Tolomato River / St. Augustine Inlet
Closest kayak & paddleboard launch
San Sebastian River at Highway 16 Roadside Primitive Accessabout 3 mi · San Sebastian River
Closest youth league fields
Collier-Blocker-Puryear Parkabout 3 mi · Basketball, Football, Lacrosse
Closest grocery store
Publixabout 1 mi · 955 State Road 16, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $1,558/yr
Estimated taxes if purchased at asking price: ~$3,400/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.
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 $161/sq ft; this home is listed at $168/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2871 Golden Lake Loop, St. Augustine, FL 32084Listed by UP REAL ESTATE | May 2026 | $202,500 | $175 | 3/2 | 1,157 | 195 | 0.1 |
| 264 Golden Lake Loop 264, St. Augustine, FL 32084Listed by COLDWELL BANKER ANABASIS REALTY | Mar 2026 | $175,000 | $157 | 2/2 | 1,118 | 136 | 0.1 |
| 2334 Golden Lake Loop Loop, St. Augustine, FL 32084Listed by ENDLESS SUMMER REALTY | Mar 2026 | $172,000 | $154 | 2/2 | 1,118 | 14 | 0.1 |
| 1015 Golden Lake Loop, St. Augustine, FL 32084Listed by MAXREV, LLC | Sep 2026 | $214,000 | $188 | 3/2 | 1,139 | 13 | 0.2 |
| 117 Golden Lake Loop, St. Augustine, FL 32084Listed by PREMIER HOMES REALTY INC | Jul 2026 | $160,000 | $139 | 2/2 | 1,147 | 71 | 0.2 |
| 821 Golden Lake Loop, St. Johns, FL 32084Listed by KELLER WILLIAMS ST JOHNS | Jun 2026 | $210,000 | $161 | 3/2 | 1,308 | 18 | 0.2 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
Sold by: WE SELL SUNSHINE (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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Apr 15, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
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