Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in St. Augustine — a pool home in St. Johns County.

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Active

Active·170 days on market

8160 Wendover Road

St. Augustine, FL 32092

$649,900$305/sqftEst. $3,341/moMLS# 2134794

Beds

Baths

2,128

Sq Ft

1985

Built

—

Garage

Yes

Pool

About this home

St. Augustine

Wake up to the beauty of true Florida waterfront living in this stunning deep-water retreat complete with a private boat slip and resort-style backyard. Beautifully updated and designed for both relaxation and entertaining, this coastal home features a bright open layout filled with natural light and a beautifully renovated kitchen with crisp white cabinetry, quartz countertops, stainless appliances, and a large island perfect for gathering. Expansive windows frame peaceful backyard and water views while seamlessly connecting indoor and outdoor living spaces. Step outside to your private oasis featuring a sparkling pool, spacious covered patio, and lush fenced yard surrounded by mature palms. An upstairs balcony offers the perfect place to unwind and take in serene waterfront views. With deep-water access and exceptional outdoor living, this property captures the very best of the Florida boating lifestyle.

Cost to own

Mortgage calculator

Home Price

$649,900

Down Payment: 20%

$129,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,341

Principal & Interest: $3,341

Property taxes (est.): $865

Insurance (est.): $433

Estimated Total Monthly

$4,639

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$3,341

Property taxesest. at asking price, St. Johns County$865

Estimated total, before insurance$4,206/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,310/yr · $359/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).

Cost to own

Taxes & assessment

Last sold: $584,900 in May 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$472,579	$283,204	—
2024	$500,351	$274,515	—
2023	$452,350	$265,063	—
2022	$188,607	$89,804	—
2021	$172,874	$85,732	—
2020	$144,459	$83,858	—

2025 property taxes (current owner): $4,310/yr

Estimated taxes if purchased at asking price: ~$10,400/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: Metal — year not disclosed (home built 1985)

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

Septic system (public record) · Private well (public 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: ~1,617 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

As 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