This home is in St. Augustine.

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Pending

Pending·78 days on market

3904 Windjammer Lane

St. Augustine, FL 32084

$375,000$305/sqftEst. $1,996/moMLS# 2142445

Beds

Baths

1,230

Sq Ft

1984

Built

—

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$375,000

Down Payment: 20%

$75,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,906

Principal & Interest: $1,906

Est. Taxes & Insurance: $477

Estimated Total Monthly

$2,383

*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$1,996

Property taxesest. at asking price, St. Johns County$499

HOAbilled monthly$60

Estimated total, before insurance$2,555/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	$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: ~$6,000/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.

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 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.