This home is in Ravenswood Village, St. Augustine.

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Active

Active·70 days on market·Ravenswood Village

40 Windsor Lane

St. Augustine, FL 32084

$359,000$163/sqftEst. $1,911/moMLS# 2141745

Beds

Baths

2,202

Sq Ft

2024

Built

Garage

Pool

About this home

Ravenswood Village

AMAZING VALUE with this beautiful home just built in 2024! Skip the builder wait, skip the carpet, and skip paying over $400,000. Built just two years ago, this move-in-ready home features LVP flooring throughout nearly the entire home (including the stairs!) with carpet in only two secondary bedrooms. The open-concept design offers a spacious kitchen with abundant cabinetry and countertop space overlooking the great room, while the oversized owner's retreat provides exceptional comfort and storage. Outside, enjoy a fenced backyard with a peaceful water view, all just minutes from downtown St. Augustine, Vilano Beach, and I-95.

Cost to own

Mortgage calculator

Home Price

$359,000

Down Payment: 20%

$71,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,825

Principal & Interest: $1,825

Est. Taxes & Insurance: $456

Estimated Total Monthly

$2,281

*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$1,911

Property taxesest. at asking price, St. Johns County$478

HOAbilled quarterly$38

Estimated total, before insurance$2,427/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: $1,386,000 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$332,788	$282,066	—
2024	$65,000	$65,000	—

2025 property taxes (current owner): $4,310/yr

Estimated taxes if purchased at asking price: ~$5,700/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: Shingle — year not disclosed (home built 2024)

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

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

Jul 7, 2026Price change$359,000−$10,000
May 7, 2026Listed$369,000

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

Features

Price$359,000

Price / Sq Ft$163

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,202

Acres0.12 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address40 Windsor Lane, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionRavenswood Village

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size5,227.2 sq ft

Parcel Number0948520740

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewWater

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom - Tub with Shower, Smart Home, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories2

LevelsTwo