This home is in Waterford Lakes, St. Augustine.
Active·166 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, 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
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 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.
History
Price & status history
- 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
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