This home is in Royal St Augustine, St. Augustine.

1 / 46

Active

Active·169 days on market·Royal St Augustine

2028 W Lymington Way

St. Augustine, FL 32084

$355,000$208/sqftEst. $1,889/moMLS# 2127209

Beds

Baths

1,708

Sq Ft

2003

Built

Garage

Pool

About this home

Royal St Augustine

Royal St. Augustine 4-Bedroom Home Backing to a Nature Preserve Wake up to birdsong instead of neighbors. This 4-bedroom, 2-bath home in Royal St. Augustine sits beside a protected nature preserve, giving you a rare buffer of privacy that most St. Augustine homes simply can't offer. Step inside to vaulted ceilings, rich wood floors, and a gas fireplace anchoring an open great room built for both quiet evenings and easy entertaining. The eat-in kitchen, with granite countertops, tile backsplash, and room to gather, flows right into the main living space, keeping the whole home connected. What makes this property stand out: preserve-side privacy, oversized walk-in closets in every bedroom, and a move-in-ready layout minutes from I-95 and St. Augustine Beach. The primary suite features a large walk-in closet, while both secondary bedrooms include their own oversized walk-ins, storage that's hard to find in this price range.

Cost to own

Mortgage calculator

Home Price

$355,000

Down Payment: 20%

$71,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,804

Principal & Interest: $1,804

Est. Taxes & Insurance: $451

Estimated Total Monthly

$2,256

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$1,889

Property taxesest. at asking price, St. Johns County$472

HOAbilled quarterly$75

Estimated total, before insurance$2,437/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, 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	$309,917	$78,564	—
2024	$302,257	$74,092	—
2023	$307,721	$68,876	—
2022	$284,790	$68,312	—
2021	$213,780	$63,395	—
2020	$191,841	$61,132	—

2025 property taxes (current owner): $1,893/yr

Estimated taxes if purchased at asking price: ~$5,700/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.

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: material not specified — year not disclosed (home built 2003)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational 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.

History