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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St Augustine Lakes, St. Augustine — a waterfront home in St. Johns County.

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Sold

Sold·Closed Jun 16, 2026·85 days on market·Recent sales in St Augustine Lakes·St Augustine Lakes

764 Lake Sinclair Street

St. Augustine, FL 32084

$410,000sold priceListed at $412,000 · 99.5% of asking$194/sqftMLS# 2128659
4
Beds
2
Baths
2,109
Sq Ft
2024
Built
2
Garage
No
Pool

6 more homes for sale in St Augustine Lakes →Search St Augustine Lakes on the map

HOA $54/mo7,841 sqft lotWaterfrontSingle Family Residence1 story

About this home

St Augustine Lakes

Up to $3,500 closing credit available through the preferred lender. Welcome to one of the best water-view homes in St. Augustine Lakes, located in highly desirable St. Johns County near St. Augustine, Florida. With builder inventory now sold out, this move-in ready home offers a rare opportunity to own a premium pond-view lot. This beautifully maintained 4-bedroom home with dedicated office/flex space features a modern open floor plan, ideal for today's lifestyle. The bright, neutral interior creates a clean and welcoming feel throughout the main living areas, making the home perfect for everyday living, entertaining guests, or working from home. The spacious kitchen flows seamlessly into the living and dining areas, creating the open concept layout that buyers are searching for in today's market. Large windows bring in natural light and frame the peaceful water views, giving the home a calm and relaxing atmosphere.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,271
Property taxesest. at asking price, St. Johns County$546
HOAbilled monthly$54
Estimated total, before insurance$2,871/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,894/yr · $325/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, 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

$410,000
$82,000
Loan Term
Monthly Payment
$2,271
Principal & Interest: $2,271
Property taxes (est.): $546
Insurance (est.): $273
Estimated Total Monthly
$3,090
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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 2024)

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

Solar potential: ~1,513 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 home

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.

Cost to own

Taxes & assessment

Last sold: $506,000 in October 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$338,702$287,980—
2024$70,000$70,000—

2025 property taxes (current owner): $3,894/yr

Estimated taxes if purchased at asking price: ~$6,500/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.

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 $192/sq ft; this home is listed at $195/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
131 Beauclair Boulevard, St. Augustine, FL 32084Listed by EXP REALTY LLCAug 2026$430,000$1904/3.52,2651050.1
597 Lake Sinclair Street, St. Augustine, FL 32084Listed by HOUWZER, INC.Aug 2026$379,900$1874/32,027610.2
264 Lake Sinclair Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS JACKSONVILLEAug 2026$399,900$1974/32,02730.2
27 Blue Cypress Trail, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2026$390,000$1924/32,027190.3
239 Blue Cypress Trail, St. Augustine, FL 32084Listed by LPT REALTY LLCSep 2026$540,000$2025/3.52,6701190.3
447 Lake Sinclair Street, St. Augustine, FL 32084Listed by HERRON REAL ESTATE LLCJun 2026$375,000$1854/32,02740.3

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

Price$412,000
Price / Sq Ft$195
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,109
Total Structure Area2,728 sq ft
Acres0.18 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary, Craftsman
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

ElementaryWebster
MiddleMurray

Community Information

Address764 Lake Sinclair Street, St. Augustine, FL 32084
Area336-Ravenswood/West Augustine
SubdivisionSt Augustine Lakes
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size7,840.8 sq ft
Parcel Number0954162020
ZoningResidential

Amenities

AmenitiesPool, Playground
Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Porch, Screened
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedFebruary 5, 2026
Days on Market85
HOA Fees$54 / Monthly
HOA FrequencyMonthly
HOA NameSt. Augustine Lakes HOA
Tax Amount$3,894
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COMPASS FLORIDA 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 St Augustine Lakes

St Augustine Lakes is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all St Augustine Lakes homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 16, 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.

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