This home is in Windward Ranch, St. Augustine.

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Active

Active·127 days on market·Windward Ranch

168 Saint Kitts Loop

St. Augustine, FL 32092

$584,000$224/sqftEst. $3,108/moMLS# 2134478

Beds

Baths

2,612

Sq Ft

2015

Built

Garage

Pool

About this home

Windward Ranch

This spacious 4-bedroom, 3-bath home offers 2,612 sq ft of open living space in a gated community with NO CDD fees. You'll find luxury vinyl plank flooring throughout, abundant natural light, and a versatile flex space that can be used as a formal dining room, home office, or convert it to an additional bedroom.The heart of the home is the spacious kitchen featuring stainless steel appliances, natural gas cooktop, a reverse osmosis system, breakfast nook, and a huge eat-in center island perfect for gathering and entertaining. Two sets of sliding glass doors bring in tons of natural light and lead to a fully screened and pavered lanai overlooking peaceful pond views, with a fully fenced backyard for added privacy.The primary suite offers a spa-like bathroom with a walk-in shower, separate soaking tub, dual vanities, and a custom walk-in closet. Additional highlights include a 3-car garage, water softener, and a split floor plan.Enjoy the fantastic amenities, including a community pool

Cost to own

Mortgage calculator

Home Price

$584,000

Down Payment: 20%

$116,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,968

Principal & Interest: $2,968

Est. Taxes & Insurance: $742

Estimated Total Monthly

$3,711

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$3,108

Property taxesest. at asking price, St. Johns County$777

HOAbilled quarterly$143

Estimated total, before insurance$4,028/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, 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

Last sold: $592,500 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$467,977	$417,255	—
2024	$486,194	$436,194	—
2023	$421,483	$267,908	—
2022	$403,204	$251,775	—
2021	$320,539	$242,985	—
2020	$298,000	$238,940	—

2025 property taxes (current owner): $6,115/yr

Estimated taxes if purchased at asking price: ~$9,300/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 — year not disclosed (home built 2015)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,744 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 home

Informational 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 11, 2026Listed$584,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$584,000

Price / Sq Ft$224

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,612

Acres0.21 acres

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighSt. Augustine

Community Information

Address168 Saint Kitts Loop, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionWindward Ranch

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size9,147.6 sq ft

Parcel Number0274420560

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Jogging Path, Park, Pickleball, Playground

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile, Vinyl

# of Stories1

LevelsOne

LaundryGas Dryer Hookup, In Unit, Lower Level, Sink, Washer Hookup

Security24 Hour Security, Security Gate, Smoke Detector(s)