This home is in Summer Bay At Grand Oaks, St. Augustine.

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Active Under Contract

Active Under Contract·76 days on market·Summer Bay At Grand Oaks

71 Hickory Pine Drive

St. Augustine, FL 32092

$489,000$249/sqftEst. $2,603/moMLS# 2143027

Beds

Baths

1,962

Sq Ft

2024

Built

Garage

Pool

About this home

Summer Bay At Grand Oaks

Discover easy, low-maintenance living at 71 Hickory Pine Dr, a beautifully upgraded single-family home in the desirable 55+ community of Summer Bay in St. Augustine. With three bedrooms PLUS an office/flex space - there will be plenty of room for those out of town visitors coming to sunny Florida!! The owners have made many thoughtful upgrades, enhancing both style and comfort throughout. The home features a gourmet kitchen with all stainless steel appliances and a bright, open layout ideal for everyday living and entertaining. Step outside to a beautiful screened-in lanai overlooking a tranquil pond with fountain, perfect for relaxing mornings and peaceful evenings. All TVs, washer, dryer, refrigerator, and water softener convey, making this home truly move-in ready. Summer Bay residents enjoy their own amenities plus full access to the entire Grand Oaks community, including a clubhouse, pool, tennis and pickleball courts, dog park, jogging paths, parks, playgrounds, and more.

Cost to own

Mortgage calculator

Home Price

$489,000

Down Payment: 20%

$97,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,486

Principal & Interest: $2,486

Est. Taxes & Insurance: $621

Estimated Total Monthly

$3,107

*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$2,603

Property taxesest. at asking price, St. Johns County$651

HOAbilled monthly$158

Estimated total, before insurance$3,411/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: $500,000 in January 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$447,536	$272,902	—
2024	$105,000	$49,280	—
2023	$44,800	$44,800	—

2025 property taxes (current owner): $7,725/yr

Estimated taxes if purchased at asking price: ~$7,800/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 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 8, 2026Active Under Contract$489,000
May 1, 2026Listed$489,000

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

Features

Price$489,000

Price / Sq Ft$249

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,962

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

Community Information

Address71 Hickory Pine Drive, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionSummer Bay At Grand Oaks

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number0274531720

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Dog Park, Gated, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LevelsOne

SecuritySecurity Gate