This home is in Landing at Olde Florida, St. Augustine.

Active

Active·122 days on market·Landing at Olde Florida

128 Cypress Bluff Way

St. Augustine, FL 32084

$449,990$195/sqftEst. $2,395/moMLS# 2135120

Beds

Baths

2,305

Sq Ft

2026

Built

Garage

Pool

About this home

Landing at Olde Florida

This to-be-built Crane II is one of the many floor plan offered. This is a unique opportunity to personalize your new home from the ground up. There is still time to select your preferred flooring, countertops, cabinetry, and other design finishes, allowing you to create a home that truly reflects your style. With I-95 only minutes away, everyday convenience is effortless. Spend the afternoon shopping at the St. Augustine Outlets, enjoy a round of golf at nearby courses such as Royal St. Augustine Golf & Country Club, or take a quick trip to the beach for sunset. As the final phase of the established Olde Florida community, homeowners benefit from a beautifully maintained neighborhood atmosphere without the added expense of CDD fees--a rare advantage in new construction communities. Discover the perfect blend of coastal lifestyle, modern home design, and convenient access to everything St. Augustine has to offer.

Cost to own

Mortgage calculator

Home Price

$449,990

Down Payment: 20%

$89,998

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,287

Principal & Interest: $2,287

Est. Taxes & Insurance: $572

Estimated Total Monthly

$2,859

*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$2,395

Property taxesest. at asking price, St. Johns County$599

HOAbilled quarterly$158

Estimated total, before insurance$3,152/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	$150,000	$150,000	—

2025 property taxes (current owner): $2,029/yr

Estimated taxes if purchased at asking price: ~$7,200/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: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,796 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