This home is in Windward Ranch, St. Augustine — a waterfront home in St. Johns County.
Sold·Closed Jul 24, 2026·110 days on market·Recent sales in Windward Ranch·Windward Ranch
182 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
Motivated Sellers! Located in the sought-after Windward Ranch community, this refined residence offers an elegant blend of space, upgrades, and privacy. Designed with a desirable split-bedroom floor plan and 9-foot ceilings throughout, the home features a 3-car garage and thoughtfully curated living spaces. The expansive kitchen serves as the centerpiece of the home, showcasing a large statement island with bar seating, abundant cabinetry, and a separate café area--ideal for both everyday living and upscale entertaining. A formal dining room and private study add versatility and sophistication. The outdoor living experience is exceptional, highlighted by an extended paver driveway and a beautifully finished pavered lanai. Outfitted with solar shades and clear view screens, the lanai offers year-round enjoyment while preserving serene pond views. The fully fenced backyard provides privacy and tranquility and includes a 6-person Caldera spa, creating a resort-style retreat...
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 (that applies to the reference bill above too).
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 2015)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,735 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $475,783 | $390,983 | — |
| 2024 | $493,753 | $379,257 | — |
| 2023 | $439,416 | $366,754 | — |
| 2022 | $420,159 | $347,254 | — |
| 2021 | $335,572 | $0 | — |
| 2020 | $311,701 | $0 | — |
2025 property taxes (current owner): $5,761/yr
Estimated taxes if purchased at asking price: ~$8,500/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
- Jul 29, 2026Closed$569,000
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 $219/sq ft; this home is listed at $209/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 |
| 105 Crown Colony Road, St. Augustine, FL 32092Listed by LATITUDE 30 REALTY LLC | Jul 2026 | $517,000 | $228 | 4/3 | 2,264 | 166 | 0.3 |
| 409 Spring Ridge Court, St. Augustine, FL 32092Listed by RE/MAX SPECIALISTS | Oct 2025 | $395,000 | $170 | 4/2 | 2,326 | 60 | 0.3 |
| 20 Tintamarre Drive, St. Augustine, FL 32092Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY | Oct 2026 | $465,000 | $219 | 3/2 | 2,126 | 48 | 0.4 |
| 124 Tintamarre Drive, St. Augustine, FL 32092Listed by SIGNATURE REALTY ASSOCIATES | Sep 2026 | $500,000 | $235 | 3/2 | 2,126 | 23 | 0.4 |
| 48 Martello Drive, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $460,000 | $216 | 3/2 | 2,126 | 54 | 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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ASSIST2SELL FULL SERVICE 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 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 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,…
Listing Office: entera realty llc
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 24, 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
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
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