This home is in Andalusia, St. Augustine.

1 / 65

Active

Active·124 days on market·Andalusia

115 Sierras Loop

St. Augustine, FL 32086

$565,000$249/sqftEst. $3,007/moMLS# 2135016

Beds

Baths

2,268

Sq Ft

2016

Built

—

Garage

Yes

Pool

About this home

Andalusia

Andalusia pool home with pond and preserve views has it all and offers many options for flexible living needs. Move right in because all of the upgrades have already been done for you. A large screened in heated saltwater pool and a covered lanai flow seamlessly from your open concept great room/dining and kitchen for the best in indoor to outdoor living. This 4 bdr, 2.5 ba with primary on the main also has an upstairs extra spacious bonus area for secondary living. Enjoy newly updated kitchen cabinetry, quartz counters & backsplash, appliances, light fixtures and window coverings throughout. The primary has a large owners bath with a separate tub and shower and an oversized walk in closet. The pool area is fabulous with a covered lanai and a fully fenced yard, lush landscaping & paver areas and irrigation which round out the well thought out details.

Cost to own

Mortgage calculator

Home Price

$565,000

Down Payment: 20%

$113,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,872

Principal & Interest: $2,872

Est. Taxes & Insurance: $718

Estimated Total Monthly

$3,590

*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$3,007

Property taxesest. at asking price, St. Johns County$752

HOAbilled quarterly$92

Estimated total, before insurance$3,851/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

Year	Market value	Taxable value	Change
2025	$399,962	$286,150	—
2024	$385,118	$228,235	—
2023	$375,083	$220,131	—
2022	$352,507	$212,263	—
2021	$254,624	$204,624	—
2020	$242,228	$181,549	—

2025 property taxes (current owner): $4,349/yr

Estimated taxes if purchased at asking price: ~$9,000/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.

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 2016)

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 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