This home is in Windward Ranch, St. Augustine — a home near St. Augustine High School.
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Sold·Closed Mar 30, 2026·47 days on market·Recent sales in Windward Ranch·Windward Ranch
104 Saint Kitts Loop
St. Augustine, FL 32092
5 more homes for sale in Windward Ranch →Search Windward Ranch on the map
About this home
Windward Ranch
NO CDD! Live the ultimate Florida lifestyle in this stunning gas-heated saltwater POOL HOME w serene water views, located in the GATED Windward Ranch community! This 4-bedroom, 3.5-bath home includes a private office and formal living & dining rooms. The true highlight is the unbeatable, fully fenced backyard oasis-an entertainer's dream! Relax on the screened paver lanai, unwind beneath the pergola or sip a cool drink and lounge by the pool while enjoying the stunning water vistas. Step through the upgraded glass front door & into a bright, elegant interior featuring tile flooring, tall ceilings, classy crown molding, shiplap walls & abundance of windows that flood the home w natural light. Gourmet kitchen features large granite island, double ovens, & timeless Brazilian cherry cabinetry. The Inviting living room offers tranquil backyard views & an upgraded ceiling fan. Relaxing primary bedroom w tray ceiling & large walk-in closet.
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.
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 2016)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,758 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
South Ponte Vedra Recreation Area33 min drive · 24 parking spaces
Closest park or preserve
Twelve Mile Swamp Conservation Area10 min drive · 2.2 mi of trails
Closest public boat ramp
Vilano Public Boat Rampabout 8 mi · Tolomato River / St. Augustine Inlet
Closest kayak & paddleboard launch
San Sebastian River at Highway 16 Roadside Primitive Accessabout 6 mi · San Sebastian River
Closest youth league fields
Mill Creek Park9 min drive · Baseball
Closest grocery store
Publix5 min drive · 2875 State Rd 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.
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 $219/sq ft; this home is listed at $240/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 |
| 105 Crown Colony Road, St. Augustine, FL 32092Listed by LATITUDE 30 REALTY LLC | Jul 2026 | $517,000 | $228 | 4/3 | 2,264 | 166 | 0.2 |
| 20 Tintamarre Drive, St. Augustine, FL 32092Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY | Oct 2026 | $465,000 | $219 | 3/2 | 2,126 | 48 | 0.3 |
| 300 Downs Corner Road, St. Augustine, FL 32092Listed by DJ & LINDSEY REAL ESTATE | Mar 2026 | $423,000 | $192 | 3/2 | 2,208 | 145 | 0.3 |
| 124 Tintamarre Drive, St. Augustine, FL 32092Listed by SIGNATURE REALTY ASSOCIATES | Sep 2026 | $500,000 | $235 | 3/2 | 2,126 | 23 | 0.4 |
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: REAL BROKER LLC
Sold by: NATALE REALTORS (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
4 bd · 3 ba · 2,654 sq ft
$650,000Est. $3,460/moMultple offers received. Sellers are calling for highest and best before 5pm on Sat 9/26. Enjoy one of St. Johns…
Listing Office: signature realty associates
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…
Listing Office: florida homes realty & mtg llc
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,…
Listing Office: entera realty llc
For Sale150 Tintamarre DriveSt. Augustine, FL 32092
3 bd · 2 ba · 1,716 sq ft
$385,000Est. $2,049/moWelcome to 150 Tintamarre Dr, a beautifully maintained home in the highly desirable Windward Ranch community in St.…
Listing Office: signature realty associates
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Mar 30, 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
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines