This home is in Samara Lakes, St. Augustine.

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Active·8 days on market·Samara Lakes

1152 Cabin Bluff Drive

St. Augustine, FL 32092

$540,000$158/sqftEst. $2,874/moMLS# 2137916

Beds

Baths

3,422

Sq Ft

2007

Built

Garage

Pool

About this home

Samara Lakes

Preferred lender offering 1% closing costs to qualified buyers!! Fully renovated home, BRAND NEW ROOF!! Lakeside and ready to make your own serenity. Situated on a premium waterfront lot, this home perfectly designed for both relaxation and entertaining. As you step inside, you are greeted by a versatile layout featuring both a formal living room and a separate formal dining area that sets the stage for memorable gatherings. The primary is located on the first floor, with a spacious bathroom and closet. EVERY BEDROOM HAS A WALK-IN CLOSET! NO CARPET ANYWHERE! Downstairs, there's an additional guest bath separate from the living room (because who wants one in the middle of the house??) The chef in the family will love the quartz countertops, stainless steel appliances, prep island, and ample cabinetry. Upstairs, you'll find 4 bedrooms and the laundry room. Outside is beautifully paved and ready for your relaxation. Buc-ee's is a few minutes away! Search no more!!!

Cost to own

Mortgage calculator

Home Price

$540,000

Down Payment: 20%

$108,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,745

Principal & Interest: $2,745

Est. Taxes & Insurance: $686

Estimated Total Monthly

$3,431

*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$2,874

Property taxesest. at asking price, St. Johns County$719

HOAbilled monthly$71

Estimated total, before insurance$3,664/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	$441,620	$441,620	—
2024	$541,085	$407,394	—
2023	$539,270	$364,825	—
2022	$428,168	$331,659	—
2021	$301,508	$301,508	—
2020	$288,909	$288,909	—

2025 property taxes (current owner): $6,282/yr

Estimated taxes if purchased at asking price: ~$8,600/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: material not specified — year not disclosed (home built 2007)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,782 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