This home is in Waterford Lakes, St. Augustine — a gated community home in St. Johns County.
Active Under Contract·212 days on market·Waterford Lakes
81 Temple Drive
St. Augustine, FL 32092
About this home
Waterford Lakes
Best Lot in Waterford Lakes - Corner Unit, Preserve + Pond Views, Oversized Yard Ask about lender incentives!! Perfectly positioned within the gated townhome community of Waterford Lakes, this exceptional corner-unit residence offers one of the most desirable settings in the neighborhood--backing to a peaceful pond and wooded preserve with an extended greenspace that creates rare privacy and a true backyard retreat. Built in 2022, this thoughtfully designed 3-bedroom, 2.5-bath townhome spans 1,502 square feet and showcases a light-filled, open-concept layout ideal for both everyday living and entertaining. Expansive sliding glass doors frame the tranquil views and seamlessly connect the interior living space to a covered lanai and oversized backyard, a standout feature rarely found in townhome living. The kitchen and living areas flow effortlessly, enhanced by natural light and complemented by premium appliances, including upgraded refrigerator and laundry units.
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, 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).
Cost to own
Taxes & assessment
Last sold: $360,000 in December 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $277,210 | $226,488 | — |
| 2024 | $272,447 | $222,447 | — |
| 2023 | $275,561 | $225,561 | — |
| 2022 | $56,000 | $56,000 | — |
2025 property taxes (current owner): $3,546/yr
Estimated taxes if purchased at asking price: ~$4,900/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: Shingle — year not disclosed (home built 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, this 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.
History
Price & status history
- Aug 28, 2026Active Under Contract$309,000
- Jul 10, 2026Price change$309,000−$10,000
- Jan 30, 2026Listed$319,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Waterford Lakes
Waterford Lakes is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Waterford Lakes homes for sale →Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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