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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Windward Ranch, St. Augustine.

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Sold

Sold·Closed May 15, 2026·7 days on market·Recent sales in Windward Ranch·Windward Ranch

37 Saba Lane

St. Augustine, FL 32092

$430,000sold priceListed at $449,000 · 95.8% of asking$202/sqftMLS# 2138497
3
Beds
2
Baths
2,126
Sq Ft
2020
Built
2
Garage
No
Pool

7 more homes for sale in Windward Ranch →Search Windward Ranch on the map

HOA $143/mo14,810 sqft lotSingle Family Residence1 story

About this home

Windward Ranch

Beautiful 3 bed, 2 bath single-story home built in 2020 in the gated Windward Ranch community. Approximately 2,126 sq ft on a 0.34-acre lot with a finished 2-car garage. Open layout, modern construction, and low-maintenance living. Enjoy community amenities including resort-style pool, gym, clubhouse, playground, tennis, and trails. No CDD fees. Excellent location in St. Johns County--close to schools, beaches, and historic St. Augustine. Move-in ready and waiting for your personal touches!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,382
Property taxesest. at asking price, St. Johns County$572
HOAbilled quarterly$143
Estimated total, before insurance$3,097/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,850/yr · $321/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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$430,000
$86,000
Loan Term
Monthly Payment
$2,382
Principal & Interest: $2,382
Property taxes (est.): $572
Insurance (est.): $287
Estimated Total Monthly
$3,241
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$395,296$249,091—
2024$396,217$241,363—
2023$351,382$232,877—
2022$334,957$224,638—
2021$266,639$216,639—
2020$60,000$60,000—

2025 property taxes (current owner): $3,850/yr

Estimated taxes if purchased at asking price: ~$6,900/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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $227/sq ft; this home is listed at $211/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
20 Tintamarre Drive, St. Augustine, FL 32092Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTYOct 2026$465,000$2193/22,126480.1
124 Tintamarre Drive, St. Augustine, FL 32092Listed by SIGNATURE REALTY ASSOCIATESSep 2026$500,000$2353/22,126230.1
48 Martello Drive, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$460,000$2163/22,126540.1
204 Tintamarre Drive, St. Augustine, FL 32092Listed by WATSON REALTY CORPAug 2026$389,000$2273/21,71650.1
273 Whisper Ridge Drive, St. Augustine, FL 32092Listed by ONE SOTHEBY'S INTERNATIONAL REALTYJul 2026$490,000$2673/21,833350.2
347 Tintamarre Drive, St. Augustine, FL 32092Listed by REALTY PROFESSIONALS OF NE FLORIDASep 2026$402,500$1994/32,027960.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$449,000
Price / Sq Ft$211
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,126
Acres0.34 acres
Year Built2020
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address37 Saba Lane, St. Augustine, FL 32092
Area308-World Golf Village Area-SW
SubdivisionWindward Ranch
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size14,810.4 sq ft
Parcel Number0274423520

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesKitchen Island, Open Floorplan
AppliancesDishwasher, Disposal, Gas Cooktop, Gas Range, Microwave, Refrigerator, Water Softener Rented
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionCorner Lot, Cul-De-Sac

Additional Information

Date ListedApril 5, 2026
Days on Market7
HOA Fees$428 / Quarterly
HOA FrequencyQuarterly
Tax Amount$3,850.22
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Windward Ranch

Windward Ranch is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.

View all Windward Ranch homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 15, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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