This home is in St. Augustine.

1 / 69

Active

Active·84 days on market

1017 Ridgewood Lane

St. Augustine, FL 32086

$334,900$213/sqftEst. $1,782/moMLS# 2141457

Beds

Baths

1,569

Sq Ft

2004

Built

Garage

Pool

About this home

St. Augustine

$5,000 SELLER CREDIT TOWARDS NEW FLOORING, PAINT or MODERN UPDATES! Low-Maintenance Coastal Living: Turn-key Villa Minutes from St. Augustine Beach! This meticulously kept, move-in-ready villa offers effortless coastal convenience just minutes from the pristine sand, local dining, State parks and the historic charm of downtown St. Augustine. Located in the sought-after Southwood community, this home defines the ''lock-and-leave'' lifestyle with full-service lawn care and premium amenities. Step inside to an open-concept layout defined by an abundance of natural light and a seamless flow connecting the living areas for easy entertaining and everyday living. The functional floorplan features 2 bedrooms, 2 bathrooms, a dedicated library or home office, and a cozy living room centered by a gas fireplace. The kitchen is a home chef's delight, equipped with solid-surface countertops, new appliances, pantry and a sunlit breakfast nook. Retreat to the expansive owner's suite to relax, which

Cost to own

Mortgage calculator

Home Price

$334,900

Down Payment: 20%

$66,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,702

Principal & Interest: $1,702

Est. Taxes & Insurance: $426

Estimated Total Monthly

$2,128

*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$1,782

Property taxesest. at asking price, St. Johns County$446

HOAbilled monthly$205

Estimated total, before insurance$2,433/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

Last sold: $380,000 in May 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$313,167	$262,445	—
2024	$318,613	$262,854	—
2023	$303,742	$253,742	—
2022	$291,430	$109,355	—
2021	$195,612	$104,699	—
2020	$193,373	$192,873	—

2024 property taxes (current owner): $3,683/yr

Estimated taxes if purchased at asking price: ~$5,300/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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — year not disclosed (home built 2004)

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: ~1,817 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