This home is in Oakbrook, St. Augustine.

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Active

Active·79 days on market·Oakbrook

3316 Cedar Glen Way

St. Augustine, FL 32086

$489,800$226/sqftEst. $2,607/moMLS# 2128690

Beds

Baths

2,168

Sq Ft

2000

Built

Garage

Pool

About this home

Oakbrook

ADD FLOORING. BUILD INSTANT EQUITY. MOVE IN. This is the one savvy buyers wait for. Solid coquina block construction, 2,168 sq ft, 3-4BR/2BA on a half-acre+ lot in Oakbrook -- a gated St. Augustine community with pool, tennis, and clubhouse. Paver driveway and walkway from the street. The home is clean, cleared, and ready for your flooring of choice. Full LVP throughout quotes at just $8,000 -- do it before you move in or negotiate it into your offer. Beyond that, a fresh coat of paint and a few minor DIY touches and you are done. Kitchen and baths are fully functional -- dated, yes, but completely serviceable -- and can be updated as budget and time allow. Seller has already priced in every bit of that work, and then some. Deep private backyard has room for a pool. Gated community. Minutes from historic downtown St. Augustine, top-rated St. Johns County schools, and the beach. You get equity the day you close. Seller wants an offer -- bring one. Cash or renovation loan buyers welcome

Cost to own

Mortgage calculator

Home Price

$489,800

Down Payment: 20%

$97,960

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,490

Principal & Interest: $2,490

Est. Taxes & Insurance: $622

Estimated Total Monthly

$3,112

*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$2,607

Property taxesest. at asking price, St. Johns County$652

HOAbilled monthly$90

Estimated total, before insurance$3,349/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	$473,496	$190,367	—
2024	$459,928	$184,294	—
2023	$428,796	$177,470	—
2022	$412,325	$170,845	—
2021	$274,842	$164,413	—
2020	$272,186	$161,453	—

2024 property taxes (current owner): $2,671/yr

Estimated taxes if purchased at asking price: ~$7,800/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 2000)

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

Septic system (public record) · Public water · St Johns County Utilities - water accounts

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,744 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

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