This home is in Gran Lake, St. Augustine — a home near Tocoi Creek High School.
Active·201 days on market·Gran Lake
244 Willow Lake Drive
St. Augustine, FL 32092
About this home
Gran Lake
GREAT BUY AT $515,000. Located in a desirable planned unit development in St. Johns County, this beautifully designed home offers the perfect blend of modern comfort, space, and convenience. Built in 2019, the residence spans an impressive 3,305 square feet and features four generously sized bedrooms and three-and-a-half bathrooms, making it ideal for both everyday living and entertaining. From the moment you arrive, the home's curb appeal and well-maintained exterior reflect the pride of ownership found throughout the community. Inside, an open and thoughtfully designed floor plan provides flexibility and functionality for a variety of lifestyles. The main living areas are bright and inviting, with ample natural light and a seamless flow that enhances both comfort and usability. The kitchen serves as the heart of the home, offering abundant workspace and storage, perfect for family meals or hosting guests. It opens effortlessly to the living
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: $615,000 in March 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $532,826 | $532,826 | — |
| 2024 | $528,882 | $473,373 | — |
| 2023 | $508,129 | $458,129 | — |
| 2022 | $440,050 | $295,146 | — |
| 2021 | $335,093 | $285,093 | — |
| 2020 | $338,082 | $338,082 | — |
2024 property taxes (current owner): $6,323/yr
Estimated taxes if purchased at asking price: ~$8,000/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.
Hurricane evacuation zone F
Zone F evacuates after zones A, B, C, D, E in an approaching storm.
Roof: Shingle — year not disclosed (home built 2019)
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 21, 2026Price change$500,000−$15,000
- Feb 9, 2026Listed$515,000
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 Gran Lake
Gran Lake is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Gran Lake homes for sale →Listing Courtesy of: WEICHERT REALTORS COASTAL CITY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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