This home is in St. Augustine.
Active·80 days on market
113 Laurel Wood Way 207
St. Augustine, FL 32086
About this home
St. Augustine
Tucked inside the peaceful community of Belle Haven, this condo in St. Augustine just feels easy the moment you walk in. It's the kind of place where mornings start with coffee on the balcony and evenings wind down on your private screened lanai, with a quiet sense of home that's hard to put into words but easy to feel. This unit has been thoughtfully updated so you can settle in without a to-do list. The A/C is only 2 years old, the roof was replaced 4 years ago, and updated lighting and ceiling fans in every room keep everything feeling fresh and comfortable. The kitchen is bright and welcoming, with white cabinets, stainless steel appliances, Corian countertops, a tile backsplash, and under-cabinet lighting that adds just the right glow in the evenings. There's even a built-in desk and pantry, making it as functional as it is inviting. Details like cabinet pulls and marble windowsills throughout the home give it a subtle, polished feel. The living room opens to a front balcony
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 (that applies to the reference bill above too).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $214,000 | $114,601 | — |
| 2024 | $220,410 | $110,664 | — |
| 2023 | $220,410 | $105,984 | — |
| 2022 | $190,000 | $101,441 | — |
| 2021 | $170,000 | $97,030 | — |
| 2020 | $145,000 | $95,000 | — |
2025 property taxes (current owner): $1,705/yr
Estimated taxes if purchased at asking price: ~$4,800/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.
Hurricane evacuation zone C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 2006)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer & public water · St Johns County Utilities
County records show this parcel on central sewer served by St Johns County Utilities — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,716 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
- May 7, 2026Listed$299,000
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
Listing Courtesy of: MOMENTUM REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines