This home is in St. Augustine.
Sold·Closed Jul 31, 2026·61 days on market·Recent sales in St. Augustine
3904 Windjammer Lane
St. Augustine, FL 32084
About this home
St. Augustine
Located in the heart of Vilano Beach, 3904 Windjammer Lane offers the perfect blend of coastal lifestyle and investment potential. Just a 5-minute walk to the beach and only a 10-minute drive to Historic Downtown St. Augustine, this property puts you close to everything while still enjoying a relaxed beachside setting. Located in a community with one of the lowest HOA fees in the area, you'll enjoy the benefits of beachside living without the high carrying costs often associated with coastal communities. Recently renovated throughout, the home features durable vinyl flooring with no carpet, a bright white kitchen, and an open, inviting feel that's ready for immediate enjoyment. The fully fenced backyard provides added privacy and flexibility for entertaining or accommodating guests. Being sold fully furnished, this is a true turnkey opportunity. Major updates include a new roof completed in May 2026, along with newer HVAC and windows for peace of mind.
Next steps in St. Augustine
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1984)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,799 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 homeThis 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $346,612 | $324,489 | — |
| 2024 | $343,537 | $294,990 | — |
| 2023 | $309,159 | $268,173 | — |
| 2022 | $243,794 | $243,794 | — |
| 2021 | $174,658 | $174,658 | — |
| 2020 | $171,552 | $167,568 | — |
2025 property taxes (current owner): $4,346/yr
Estimated taxes if purchased at asking price: ~$5,900/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.
History
Price & status history
- Jul 31, 2026Closed$375,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $324/sq ft; this home is listed at $305/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4502 Sandcastle Circle, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2025 | $345,000 | $324 | 2/2 | 1,065 | 35 | 0.1 |
| 110 Ocean Hollow Lane 118, St. Augustine, FL 32084Listed by EXIT 1 STOP REALTY | Oct 2026 | $409,000 | $312 | 3/2 | 1,313 | 109 | 1.5 |
| 110 Ocean Hollow Lane Lane 114, St. Augustine, FL 32084Listed by EXIT 1 STOP REALTY | Sep 2026 | $240,000 | $247 | 2/2 | 973 | 71 | 1.5 |
| 110 Ocean Hollow Lane 319, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $540,000 | $411 | 3/2 | 1,313 | 11 | 1.5 |
| 110 Ocean Hollow Lane 318, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2025 | $461,000 | $351 | 3/2 | 1,313 | 3 | 1.6 |
| 4000 Grande Vista Boulevard 15-130, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $265,000 | $206 | 2/2 | 1,284 | 28 | 2.6 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: DJ & LINDSEY REAL ESTATE
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 31, 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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