This home is in Windward Ranch, St. Augustine.
Pending·171 days on market·Windward Ranch
182 Saint Kitts Loop
St. Augustine, FL 32092
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...
Cost to own
Mortgage calculator
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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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.
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: ~$9,100/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.
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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Windward Ranch
Windward Ranch is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Windward Ranch homes for sale →Listing Courtesy of: ASSIST2SELL FULL SERVICE REALTY LLC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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