This home is in Sandy Creek, St. Augustine.
Active·170 days on market·Sandy Creek
109 Cummer Way
St. Augustine, FL 32095
About this home
Sandy Creek
Welcome to this 3-bedroom, 2-bath, single-story home offering 2,004 square feet of living space in the Sandy Creek community of St. Johns County. Designed with an open floor plan, the spacious living area flows seamlessly into the kitchen, making it ideal for everyday living and entertaining. The kitchen features a center island, ample counter space, and finishes that complement the home's tile and wood flooring throughout. The split-bedroom layout provides privacy, with a comfortable primary suite and well-sized secondary bedrooms. Step outside to a screened patio with pond views, creating a peaceful setting for morning coffee or evening relaxation. The rod iron fenced backyard adds both charm and function. Notable updates include a 2023 roof for added peace of mind. Sandy Creek offers low HOA fees, community amenities, and convenient access to shopping, dining, top-rated schools, and major roadways throughout St. Johns County.
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
| 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.
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.
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.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
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 →Listing Courtesy of: THE LEGENDS OF REAL ESTATE
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines