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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 Waterford Lakes, St. Augustine — a home near Tocoi Creek High School.

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Sold

Sold·Closed Jun 22, 2026·58 days on market·Recent sales in Waterford Lakes·Waterford Lakes

98 Coastline Way

St. Augustine, FL 32092

$249,000sold priceListed at $255,000 · 97.6% of asking$206/sqftMLS# 2133271
2
Beds
2.5
Baths
1,210
Sq Ft
2022
Built
1
Garage
No
Pool

18 more homes for sale in Waterford Lakes →Search Waterford Lakes on the map

HOA $128/mo2,178 sqft lotTownhouse2 stories

About this home

Waterford Lakes

LOWEST PRICE IN NORTH ST JOHNS COUNTY! Lots of upgrades. Granite everywhere. New carpet. Just needs paint! Zoned for A-rated schools! Walk to amenities. Welcome to 98 Coastline Way, a move-in ready home offering the perfect combination of comfort, value, and flexibility for today's buyers. Inside, you'll find brand-new carpet throughout and new granite bathroom countertops in every bath, and professionally cleaned tile, giving the home a clean, updated feel from the moment you walk in. The functional layout creates comfortable living spaces that work equally well for everyday living, entertaining, or hosting guests. Take advantage of up to $2,500 in closing cost assistance when using the preferred lender.

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$1,379
Property taxesest. at asking price, St. Johns County$331
HOAbilled monthly$128
Estimated total, before insurance$1,838/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,948/yr · $162/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

$249,000
$49,800
Loan Term
Monthly Payment
$1,379
Principal & Interest: $1,379
Property taxes (est.): $331
Insurance (est.): $166
Estimated Total Monthly
$1,877
*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 2022)

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 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: $298,500 in May 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$238,308$107,839—
2024$234,928$104,092—
2023$238,959$99,604—
2022$56,000$56,000—

2025 property taxes (current owner): $1,948/yr

Estimated taxes if purchased at asking price: ~$4,000/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.

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 $229/sq ft; this home is listed at $211/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
186 Coastline Way, St. Augustine, FL 32092Listed by PONTE VEDRA CLUB REALTY, INC.Dec 2025$258,000$2132/2.51,2102430.1
81 Temple Drive, St. Augustine, FL 32092Listed by ONE SOTHEBY'S INTERNATIONAL REALTYSep 2026$303,000$2023/2.51,5022100.3
260 Pine Bluff Drive, St. Augustine, FL 32092Listed by KELLER WILLIAMS ST JOHNSJun 2026$347,000$2503/21,38660.6
417 Pine Bluff Drive, St. Augustine, FL 32092Listed by WATSON REALTY CORPJun 2026$320,000$2083/2.51,539490.7
155 Wood Breeze Way, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$329,990$2363/2.51,396521
18 Kingsville Court, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCJul 2026$320,000$2293/2.51,396971

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$255,000
Price / Sq Ft$211
Bedrooms2
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,210
Total Structure Area1,511 sq ft
Acres0.05 acres
Year Built2022
TypeResidential
Sub-TypeTownhouse
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo
Gated CommunityYes

School Information

Community Information

Address98 Coastline Way, St. Augustine, FL 32092
Area305-World Golf Village Area-Central
SubdivisionWaterford Lakes
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size2,178 sq ft
Parcel Number0265730670
ZoningResidential

Amenities

AmenitiesBasketball Court, Children's Pool, Clubhouse, Dog Park, Gated, Playground
Community FeaturesSidewalks, Suburban, Street Lights, Gated, Curbs
UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s)
AppliancesDishwasher, Gas Range, Gas Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Washer Hookup
SecuritySecurity Gate, Smoke Detector(s)

Exterior

Patio / PorchPatio
FencingPrivacy
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt

Additional Information

Date ListedMarch 5, 2026
Days on Market58
HOA Fees$127.56 / Monthly
HOA FrequencyMonthly
Tax Amount$1,947.77
Tax Year2025
Listing TermsCash, 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 Waterford Lakes

Waterford Lakes is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.

View all Waterford Lakes homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 22, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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