This home is in Vilano Beach.
Active·130 days on market
3802 Windjammer Lane
Vilano Beach, FL 32084
About this home
Vilano Beach
Earn income from day one and low maintenance in this currently rented Vilano Beach condo in a Short Term Rental friendly community. Featuring a new roof in 2023. The seller is also offering a $1,200 fully portable flood insurance policy. This property has current long term tenants in place through December of 2026, but can be converted to a short term rental after that. This townhouse features a new roof (2023) for the entire building (complete with wind mitigation report and transferrable warranty), newer septic (2015), termite bond, larger yard for the neighborhood, brand new kitchen with all wood white shaker cabinets and granite counters, new flooring, new fixtures, new appliances and so much more. if you are looking for an affordable, low hassle, low maintenance option in the Vilano Beach area, then look no further than this rare gem!
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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $314,602 | $240,254 | — |
| 2024 | $314,092 | $218,413 | — |
| 2023 | $259,265 | $198,557 | — |
| 2022 | $208,540 | $180,506 | — |
| 2021 | $164,096 | $164,096 | — |
| 2020 | $161,291 | $154,679 | — |
2025 property taxes (current owner): $4,050/yr
Estimated taxes if purchased at asking price: ~$5,600/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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified — 2023 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Septic system (public record) · Public water (record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,622 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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- Mar 8, 2026Listed$349,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: LIGHTHOUSE PROPERTY MANAGEMENT & REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines