This home is in WGV Heritage Landing, St. Augustine — a home near Tocoi Creek High School.
Active·120 days on market·WGV Heritage Landing
438 Fort Drum Court
St. Augustine, FL 32092
About this home
WGV Heritage Landing
RARE .27-ACRE CUL-DE-SAC LOT with exceptional privacy and your own backyard oasis in sought-after Heritage Landing! Tucked away with no neighbors directly behind or on one side, this spacious 5-bedroom, 3-bath home offers something increasingly hard to find: room to spread out both inside and out. The expansive, fully fenced backyard is designed for Florida outdoor living, with a pergola for shaded gatherings, fire pit for relaxing evenings, citrus and mature shade trees, and plenty of open lawn for kids, pets, gardening--or a future dream pool. Inside, more than 3,400 square feet of living space offers flexibility for every stage of life. Gorgeous, engineered hardwood floors, abundant natural light, elegant lighting and custom design touches create a warm and welcoming feel. Home cooks will love the upgraded gas stove, generous prep space, granite countertops, standalone island and large walk-in pantry. The inviting living room overlooks the private backyard, while formal living and
Cost to own
Mortgage calculator
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $435,556 | $201,158 | — |
| 2024 | $449,215 | $194,781 | — |
| 2023 | $453,138 | $187,651 | — |
| 2022 | $429,117 | $180,729 | — |
| 2021 | $289,303 | $174,009 | — |
| 2020 | $271,360 | $170,916 | — |
Estimated taxes if purchased at asking price: ~$8,500/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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 2007)
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: ~1,758 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 homeAs of July 2026, this 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.
History
Price & status history
- Aug 25, 2026Price change$529,900−$10,100
- Jul 28, 2026Price change$540,000−$5,000
- Jul 8, 2026Active$545,000
- Apr 30, 2026Listed$545,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About WGV Heritage Landing
WGV Heritage Landing is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all WGV Heritage Landing homes for sale →Listing Courtesy of: REAL BROKER LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines