This home is in Morgans Cove, St. Augustine.

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Active

Active·75 days on market·Morgans Cove

145 Sailors Landing Court

St. Augustine, FL 32084

$399,999$223/sqftEst. $2,129/moMLS# 2143241

Beds

Baths

1,796

Sq Ft

2022

Built

Garage

Pool

About this home

Morgans Cove

Assumable 5.00% FHA Loan! Why pay today's higher interest rates? Qualified buyers may have the opportunity to assume the seller's existing 5.00% FHA mortgage, potentially saving $200-$350 per month compared to obtaining a new loan at current market rates. That's thousands of dollars in potential savings over the coming years, while enjoying a lower monthly payment. **Assumption is subject to lender approval and buyer qualification. MOTIVATED SELLERS!! Welcome to this beautifully maintained 2022-LGI Builder Home with thousands in upgrades in St. Augustine, offering modern design and move-in ready convenience. This 3-4 bedroom,(4th bedroom non comforming) 2.5-bath home features an open-concept layout filled with natural light, perfect for both everyday living & entertaining. The kitchen showcases quartz countertops, stainless steel appliances, & plenty of counter & cabinet space, enjoy the open floorplan into the main living area.

Cost to own

Mortgage calculator

Home Price

$399,999

Down Payment: 20%

$80,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,033

Principal & Interest: $2,033

Est. Taxes & Insurance: $508

Estimated Total Monthly

$2,541

*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$2,129

Property taxesest. at asking price, St. Johns County$532

HOAbilled annually$29

Estimated total, before insurance$2,690/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: $394,900 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$327,972	$327,972	—
2024	$316,800	$316,800	—
2023	$307,550	$307,550	—
2022	$67,200	$67,200	—

2025 property taxes (current owner): $4,770/yr

Estimated taxes if purchased at asking price: ~$6,400/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 2022)

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

May 2, 2026Listed$399,999

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

Features

Price$399,999

Price / Sq Ft$223

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,796

Acres0.15 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address145 Sailors Landing Court, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionMorgans Cove

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size6,534 sq ft

Parcel Number0956012160

ZoningResidential

Amenities

AmenitiesMaintenance Grounds, Park, Playground

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Covered, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Water Softener Rented

HeatingCentral, Electric, Heat Pump, Hot Water

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)