Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Samara Lakes, St. Augustine — a home near Tocoi Creek High School.

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Pending

Pending·116 days on market·Samara Lakes

1176 Nochaway Drive

St. Augustine, FL 32092

$440,000$195/sqftEst. $2,262/moMLS# 2143312

Beds

Baths

2,251

Sq Ft

2006

Built

Garage

Pool

About this home

Samara Lakes

Welcome to this beautifully maintained 4-bedroom, 2-bathroom single-story home located in the desirable Samara Lakes community of St. Augustine. Featuring a charming covered front porch and elevated ceilings, this home offers a bright and spacious feel throughout. The open floor plan provides versatile living space with room for a sitting area, dining area, family room, and an eat-in kitchen. The gourmet kitchen is a standout, complete with double ovens, granite countertops, stainless steel appliances, and upper cabinets accented with crown molding. Luxury vinyl plank flooring runs throughout the main living areas and bathrooms, while the bedrooms offer comfortable carpeting. The spacious owner's suite features an elegant angled ceiling, a large walk-in closet, and an updated en-suite bathroom with dual vanities and a large walk-in shower. The additional bedrooms are generously sized, and the secondary bathroom is equally spacious.

Cost to own

Mortgage calculator

Home Price

$440,000

Down Payment: 20%

$88,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,262

Principal & Interest: $2,262

Property taxes (est.): $586

Insurance (est.): $293

Estimated Total Monthly

$3,141

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$2,262

Property taxesest. at asking price, St. Johns County$585

HOAbilled monthly$71

Estimated total, before insurance$2,919/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,887/yr · $407/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, 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).

Cost to own

Taxes & assessment

Last sold: $409,800 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$338,057	$338,057	—
2024	$358,090	$358,090	—
2023	$369,518	$369,518	—
2022	$335,587	$143,962	—
2021	$236,099	$138,313	—
2020	$221,561	$135,713	—

2025 property taxes (current owner): $4,887/yr

Estimated taxes if purchased at asking price: ~$7,000/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.

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 2006)

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: ~1,792 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

As 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

Jul 19, 2026Pending$440,000
May 7, 2026Listed$440,000

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

Features

Price$440,000

Price / Sq Ft$195

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,251

Acres0.24 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address1176 Nochaway Drive, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionSamara Lakes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size10,454.4 sq ft

Parcel Number0275012060

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewTrees/Woods

Interior

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

AppliancesDishwasher, Double Oven, Electric Cooktop, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories1

LaundryElectric Dryer Hookup, In Unit, Washer Hookup