This home is in Sandy Creek, St. Augustine.
Active·217 days on market·Sandy Creek
109 Cummer Way
St. Augustine, FL 32095
4 more homes for sale in Sandy Creek →Search Sandy Creek on the map
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About this home
Sandy Creek
Space, flexibility, and a peaceful pond setting come together in this 3-bedroom, 2-bath Sandy Creek home offering 2,004 sq. ft. of single-story living. Step inside to an open layout designed for easy everyday living and entertaining, plus a versatile flex space ideal for an office, dining room, playroom, or additional sitting area. The kitchen features a center island, generous counter space, and an open connection to the main living area. A split-bedroom design provides added privacy, while the primary suite offers a comfortable retreat. Outside, unwind on the screened patio overlooking the pond and enjoy the wrought-iron fenced backyard without sacrificing the view. A 3-car garage provides valuable extra parking and storage, while the 2023 roof adds an important recent update. Located in Sandy Creek with low HOA fees and convenient access to shopping, dining, major roadways, and all that St. Johns County has to offer.
Next steps in Sandy Creek
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 — 2023 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water
County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,762 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 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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:28 AM, sunset 6:54 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $390,539 | $339,817 | — |
| 2024 | $381,272 | $329,954 | — |
| 2023 | $384,264 | $318,887 | — |
| 2022 | $358,143 | $308,143 | — |
| 2021 | $253,680 | $253,680 | — |
| 2020 | $234,418 | $234,418 | — |
2025 property taxes (current owner): $5,072/yr
Estimated taxes if purchased at asking price: ~$7,100/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.
History
Price & status history
- Jul 21, 2026Price change$445,000−$5,000
- Mar 13, 2026Listed$450,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $226/sq ft; this home is listed at $222/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 211 Jennie Lake Court, St. Augustine, FL 32095Listed by MOXII PRO REALTY | Jul 2026 | $445,000 | $207 | 3/2 | 2,151 | 19 | 0.4 |
| 951 Churchhill Lane, St. Augustine, FL 32092Listed by HOUSE & HAVEN | Jul 2026 | $425,000 | $222 | 4/2 | 1,914 | 56 | 0.7 |
| 756 New Wales Lane, St. Augustine, FL 32092Listed by WATSON REALTY CORP | Sep 2026 | $565,000 | $226 | 5/2 | 2,499 | 30 | 0.8 |
| 136 Ashley Lake Court, St. Augustine, FL 32095Listed by RE/MAX SPECIALISTS | Jul 2026 | $515,000 | $248 | 3/2 | 2,080 | 29 | 0.8 |
| 741 New Wales Lane, St. Augustine, FL 32092Listed by AIM REALTY OF JACKSONVILLE | Jul 2026 | $395,000 | $227 | 3/2 | 1,741 | 79 | 0.9 |
| 308 Diana Court, St. Augustine, FL 32092Listed by JPAR CITY AND BEACH | Aug 2026 | $430,250 | $216 | 4/2 | 1,995 | 98 | 1.1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: THE LEGENDS OF REAL ESTATE
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 Sandy Creek
Sandy Creek is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.
View all Sandy Creek homes for sale →Keep looking
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Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
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