Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Summer Bay At Grand Oaks, St. Augustine — a waterfront home in St. Johns County.

Photo 1 / 47
Sold

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

$465,000sold priceListed at $475,000 · 97.9% of asking$234/sqftMLS# 2144976
3
Beds
2.5
Baths
1,989
Sq Ft
2023
Built
2
Garage
No
Pool

4 more homes for sale in Summer Bay At Grand Oaks →Search Summer Bay At Grand Oaks on the map

FEMA Zone XHOA $151/mo9,583 sqft lotWaterfrontSingle Family Residence1 story

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

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,576
Property taxesest. at asking price, St. Johns County$619
HOAbilled monthly$151
Estimated total, before insurance$3,345/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,565/yr · $797/mo

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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$465,000
$93,000
Loan Term
Monthly Payment
$2,576
Principal & Interest: $2,576
Property taxes (est.): $619
Insurance (est.): $310
Estimated Total Monthly
$3,504
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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

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.

Cost to own

Taxes & assessment

Last sold: $516,200 in August 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
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.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
94 Lone Cypress Way, St. Augustine, FL 32092Listed by LPT REALTY LLCOct 2026$475,000$2633/21,807950.1
71 Hickory Pine Drive, St. Augustine, FL 32092Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$490,000$2503/21,962670.1
217 Fairlake Circle, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLCJul 2026$375,000$2383/21,5751280.2
22 Myrtle Oak Court, St. Augustine, FL 32092Listed by ERA ONETEAM REALTYJul 2026$425,000$2043/22,0823770.6
4410 State Road 16, St. Augustine, FL 32092Listed by KELLER WILLIAMS ST JOHNSAug 2026$2,810,000$1,9972/2.51,4071691.3
194 Anguilla Boulevard, St. Augustine, FL 32092Listed by RE/MAX SIGNATUREOct 2026$418,000$2443/21,716591.4

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

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
StatusClosed
# 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

Exterior

Lot DescriptionMany Trees, Wooded
Patio / PorchCovered, Front Porch, Patio, Porch, Rear Porch, Screened
FencingFenced, Full
RoofShingle
Road FrontagePrivate Road

Additional Information

Date ListedMay 13, 2026
Days on Market75
HOA Fees$151 / Monthly
HOA FrequencyMonthly
Tax Amount$9,564.56
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityYes
New ConstructionNo

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.

View all Summer Bay At Grand Oaks homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines