Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Samara Lakes, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·131 days on market·Samara Lakes

1160 Nochaway Drive

St. Augustine, FL 32092

$414,000$184/sqftEst. $2,128/moMLS# 2140930

Beds

Baths

2,251

Sq Ft

2006

Built

Garage

Pool

About this home

Samara Lakes

PRICE REDUCED!! Move right into this beautifully maintained 4-bedroom, 2-bath home in desirable Samara Lakes! The open-concept floor plan is perfect for everyday living and entertaining, while the thoughtful layout places all bedrooms on the right side of the home, creating a private retreat away from the main living spaces. The spacious owner's suite features custom wood closet organizers, and the laundry room conveniently connects the garage and living area, creating an ideal mudroom setup. Step outside and enjoy one of this home's standout features--a private backyard framed by mature trees, offering plenty of space to create your own outdoor oasis. Whether you envision a fire pit, garden, play area, pool, or outdoor kitchen, there's room to make it your own. A magnificent oak tree anchors the front yard, providing shade and timeless curb appeal. Relax on the welcoming front porch while enjoying peaceful views of lake wildlife just across the street.

Cost to own

Mortgage calculator

Home Price

$414,000

Down Payment: 20%

$82,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,128

Principal & Interest: $2,128

Property taxes (est.): $551

Insurance (est.): $276

Estimated Total Monthly

$2,955

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$2,128

Property taxesest. at asking price, St. Johns County$551

HOAbilled monthly$71

Estimated total, before insurance$2,750/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,921/yr · $243/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$337,022	$180,103	—
2024	$355,645	$174,320	—
2023	$362,295	$167,786	—
2022	$332,414	$161,443	—
2021	$230,234	$155,284	—
2020	$215,940	$152,450	—

2025 property taxes (current owner): $2,921/yr

Estimated taxes if purchased at asking price: ~$6,600/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 2006)

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: ~1,744 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

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Jul 13, 2026Price change$414,000−$6,000
Apr 20, 2026Listed$420,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$414,000

Price / Sq Ft$184

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,251

Acres0.17 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address1160 Nochaway Drive, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionSamara Lakes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,405.2 sq ft

Parcel Number0275012020

ZoningPUD

Amenities

AmenitiesPool, Fitness Center, Park, Playground, Water

UtilitiesCable Connected, Electricity Connected, Water Connected

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

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