This home is in Waterford Lakes, St. Augustine.
Active·115 days on market·Waterford Lakes
497 Coastline Way
St. Augustine, FL 32092
About this home
Waterford Lakes
No CDD fees!! Come fall in love with this beautiful townhome located in Waterford Lakes; Silverleaf's premier townhome community. This three-bedroom home has two full and one-half bathrooms. This is an end unit with extra windows with tons of natural light. The spacious kitchen has stainless steel appliances. Features include a gas range, microwave, dishwasher, refrigerator & garbage disposal along with a walk-in pantry for extra storage. Great room and dining area with volume ceilings. Sliding glass doors open to the rear porch overlooking the woods. All bedrooms are upstairs along with the laundry room and loads of closets. The main suite offers a large walk-in closet. The ensuite bath features a double shower and double sink vanity. This townhome community has a gated entrance. The amenities include a community pool, clubhouse, fitness center, playground & tennis courts. Built in 2023 and just waiting for you! Call for your tour!
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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: $424,000 in February 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $323,874 | $157,518 | — |
| 2024 | $314,505 | $152,230 | — |
| 2023 | $64,000 | $64,000 | — |
| 2022 | $16,800 | $16,800 | — |
2025 property taxes (current owner): $2,617/yr
Estimated taxes if purchased at asking price: ~$5,600/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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2023)
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 homeInformational 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 22, 2026Listed$349,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Waterford Lakes
Waterford Lakes is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Waterford Lakes homes for sale →Listing Courtesy of: THE LEGENDS OF REAL ESTATE
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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Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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