This home is in St. Augustine.

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Active

Active·125 days on market

8160 Wendover Road

St. Augustine, FL 32092

$665,000$313/sqftEst. $3,539/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

$665,000

Down Payment: 20%

$133,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,380

Principal & Interest: $3,380

Est. Taxes & Insurance: $845

Estimated Total Monthly

$4,225

*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$3,539

Property taxesest. at asking price, St. Johns County$885

Estimated total, before insurance$4,424/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: $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: ~$10,600/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: 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

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 13, 2026Listed$665,000

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

Features

Price$665,000

Price / Sq Ft$313

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,128

Acres0.27 acres

Year Built1985

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Carport Spaces2

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontYes

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address8160 Wendover Road, St. Augustine, FL 32092

Area303-Palmo/Six Mile Area

SubdivisionMetes & Bounds

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size11,761.2 sq ft

Parcel Number0150000500

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerSeptic Tank

Water SourcePrivate, Well

ParkingAdditional Parking, Attached Carport, Carport, Covered, Gated

ViewCanal, Water

Waterfront TypeCanal Front, Seawall

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Gas Range, Microwave, Refrigerator, Washer, Washer/Dryer Stacked, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate, Tile

FireplaceYes

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryLower Level

SecuritySecurity Gate, Smoke Detector(s)

Exterior

Exterior FeaturesBalcony, Boat Slip, Dock, Fire Pit

Lot DescriptionCul-De-Sac, Dead End Street

Patio / PorchCovered, Front Porch, Patio, Porch, Rear Porch, Side Porch

FencingWood, Wrought Iron

RoofMetal

ConstructionFiber Cement, Frame

Other StructuresBoat House, Shed(s)

Additional Information

Date ListedMarch 13, 2026

Days on Market78

Tax Amount$4,309.69

Tax Year2025

Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: NORTH FLORIDA REAL ESTATE PARTNERS INC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Your Local Expert

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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