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

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Active

Active·65 days on market·Summer Bay At Grand Oaks

145 Lone Cypress Way

St. Augustine, FL 32092

$475,000$239/sqftEst. $2,528/moMLS# 2144976

Beds

Baths

1,989

Sq Ft

2023

Built

Garage

Pool

About this home

Summer Bay At Grand Oaks

Major Price Improvement with a $1,000 closing cost credit when using the preferred lender, Allie Penny. Check out this gorgeous home today! Pond and Preserve Views, this home truly has it all! Beautifully upgraded located in the highly sought-after 55+ community of Summer Bay at Grand Oaks. Thoughtfully designed with both comfort and functionality in mind, this home features a gourmet kitchen with upgraded 42'' cabinetry, soft-close doors, pull-out shelving, added island storage, custom closets, upgraded lighting, and built-in flex space cabinetry. Enjoy Florida living year-round from the extended screened lanai and patio overlooking one of the community's most desirable homesites. Additional upgrades include a whole-home water softener and filtration system, plantation shutters, epoxy garage floor, 4' garage extension, fenced backyard, drop zone, and pre-plumbing for a future outdoor kitchen.

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,414

Principal & Interest: $2,414

Est. Taxes & Insurance: $604

Estimated Total Monthly

$3,018

*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$2,528

Property taxesest. at asking price, St. Johns County$632

HOAbilled monthly$151

Estimated total, before insurance$3,311/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: $516,200 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$460,238	$409,516	—
2024	$443,721	$443,721	▲ $3,767
2023	$44,800	$44,800	—

2025 property taxes (current owner): $9,565/yr

Estimated taxes if purchased at asking price: ~$7,600/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 2023)

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 13, 2026Listed$475,000

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

Features

Price$475,000

Price / Sq Ft$239

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,989

Acres0.22 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

55+ CommunityYes

Community Information

Address145 Lone Cypress Way, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionSummer Bay At Grand Oaks

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size9,583.2 sq ft

Parcel Number0274531280

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond, Protected Preserve, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Gas Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringLaminate

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity Gate

Spa FeaturesCommunity