This home is in Samara Lakes, St. Augustine.

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Active Under Contract

Active Under Contract·28 days on market·Samara Lakes

203 Straw Pond Way

St. Augustine, FL 32092

$495,000$172/sqftEst. $2,635/moMLS# 2141674

Beds

Baths

2,882

Sq Ft

2015

Built

Garage

Pool

About this home

Samara Lakes

BRAND NEW ROOF will be installed prior to closing. Custom-designed home with numerous owner upgrades throughout. Featuring a beautifully updated gourmet kitchen, elegant primary bathroom, and a well-appointed laundry room, every detail has been tastefully completed. The home is entirely carpet-free, offering a clean and modern feel. Located in Samara Lakes, this spacious home offers 4 bedrooms and 3.5 bathrooms. Enjoy an open and functional layout with a large kitchen, living room, and dining area ideal for both everyday living and entertaining. The oversized primary suite provides a private retreat with generous closet space. Step outside to a large backyard with a peaceful pond view--perfect for relaxing, hosting gatherings, or enjoying Florida sunsets. Conveniently located near shopping, dining, schools, and major roadways, this home is also zoned for the highly rated St. Johns County School District, known for its excellent schools.

Cost to own

Mortgage calculator

Home Price

$495,000

Down Payment: 20%

$99,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,516

Principal & Interest: $2,516

Est. Taxes & Insurance: $629

Estimated Total Monthly

$3,145

*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$2,635

Property taxesest. at asking price, St. Johns County$659

HOAbilled monthly$71

Estimated total, before insurance$3,364/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	$417,625	$212,128	—
2024	$438,516	$205,442	—
2023	$443,745	$198,002	—
2022	$405,897	$190,779	—
2021	$289,617	$183,766	—
2020	$274,852	$180,538	—

2025 property taxes (current owner): $3,352/yr

Estimated taxes if purchased at asking price: ~$7,900/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.

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 2015)

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

Solar potential: ~1,769 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

Price & status history

Jun 18, 2026Listed$495,000

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

Features

Price$495,000

Price / Sq Ft$172

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,882

Acres0.17 acres

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Traditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address203 Straw Pond Way, 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 Number0275015620

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level