This home is in Waterford Lakes, St. Augustine — a home near Tocoi Creek High School.
Sold·Closed Jun 22, 2026·58 days on market·Recent sales in Waterford Lakes·Waterford Lakes
98 Coastline Way
St. Augustine, FL 32092
18 more homes for sale in Waterford Lakes →Search Waterford Lakes on the map
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.
Next steps in Waterford Lakes
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.
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 homeThis 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)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 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.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 186 Coastline Way, St. Augustine, FL 32092Listed by PONTE VEDRA CLUB REALTY, INC. | Dec 2025 | $258,000 | $213 | 2/2.5 | 1,210 | 243 | 0.1 |
| 81 Temple Drive, St. Augustine, FL 32092Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Sep 2026 | $303,000 | $202 | 3/2.5 | 1,502 | 210 | 0.3 |
| 260 Pine Bluff Drive, St. Augustine, FL 32092Listed by KELLER WILLIAMS ST JOHNS | Jun 2026 | $347,000 | $250 | 3/2 | 1,386 | 6 | 0.6 |
| 417 Pine Bluff Drive, St. Augustine, FL 32092Listed by WATSON REALTY CORP | Jun 2026 | $320,000 | $208 | 3/2.5 | 1,539 | 49 | 0.7 |
| 155 Wood Breeze Way, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $329,990 | $236 | 3/2.5 | 1,396 | 52 | 1 |
| 18 Kingsville Court, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Jul 2026 | $320,000 | $229 | 3/2.5 | 1,396 | 97 | 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: 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 →Keep looking
More homes in Waterford Lakes
Keep looking
Similar homes in St. Augustine
Explore the area
More in Waterford Lakes
Waterford Lakes guides & reports
Your Local Realtor

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.

Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines











