This home is in Summer Bay At Grand Oaks, St. Augustine — a waterfront home in St. Johns County.
Sold·Closed Sep 2, 2026·75 days on market·Recent sales in Summer Bay At Grand Oaks·Summer Bay At Grand Oaks
145 Lone Cypress Way
St. Augustine, FL 32092
4 more homes for sale in Summer Bay At Grand Oaks →Search Summer Bay At Grand Oaks on the map
About this home
Summer Bay At Grand Oaks
Resort-Style Living with Stunning Pond & Preserve Views! Discover one of the most beautifully upgraded homes in Summer Bay at Grand Oaks, one of St. Johns County's premier 55+ active adult communities. Perfectly positioned on a premium pond and preserve homesite, this move-in-ready home offers peaceful views, exceptional privacy, and thoughtful upgrades throughout. Designed for effortless everyday living, the open floor plan features a gourmet kitchen with 42'' upgraded cabinetry, soft-close doors, pull-out shelving, additional island storage, upgraded lighting, custom closets, and built-in cabinetry in the flex space. Every detail has been carefully selected to maximize both beauty and functionality. Step outside to your extended screened lanai and expanded paver patio, where you'll enjoy morning coffee or evening sunsets overlooking tranquil water and preserve views. Additional upgrades include a whole-home water softener and filtration system, plantation shutters, epoxy garage
Next steps in Summer Bay At Grand Oaks
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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).
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Cost to own
Mortgage calculator
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 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.
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: ~$7,400/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.
History
Price & status history
- Sep 3, 2026Closed$475,000
- Aug 28, 2026Pending$475,000
- Jul 28, 2026Active Under Contract$475,000
- May 13, 2026Listed$475,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $250/sq ft; this home is listed at $239/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 94 Lone Cypress Way, St. Augustine, FL 32092Listed by LPT REALTY LLC | Oct 2026 | $475,000 | $263 | 3/2 | 1,807 | 95 | 0.1 |
| 71 Hickory Pine Drive, St. Augustine, FL 32092Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $490,000 | $250 | 3/2 | 1,962 | 67 | 0.1 |
| 217 Fairlake Circle, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLC | Jul 2026 | $375,000 | $238 | 3/2 | 1,575 | 128 | 0.2 |
| 22 Myrtle Oak Court, St. Augustine, FL 32092Listed by ERA ONETEAM REALTY | Jul 2026 | $425,000 | $204 | 3/2 | 2,082 | 377 | 0.6 |
| 4410 State Road 16, St. Augustine, FL 32092Listed by KELLER WILLIAMS ST JOHNS | Aug 2026 | $2,810,000 | $1,997 | 2/2.5 | 1,407 | 169 | 1.3 |
| 194 Anguilla Boulevard, St. Augustine, FL 32092Listed by RE/MAX SIGNATURE | Oct 2026 | $418,000 | $244 | 3/2 | 1,716 | 59 | 1.4 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HERRON REAL ESTATE LLC
Sold by: KELLER WILLIAMS REALTY ATLANTIC PARTNERS (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Summer Bay At Grand Oaks
Summer Bay At Grand Oaks is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.
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Your Local Realtor

Krista Fracke
Broker Associate
This home sold on Sep 2, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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