This home is in Gran Lake, St. Augustine.

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Active

Active·62 days on market·Gran Lake

255 Willow Lake Drive

St. Augustine, FL 32092

$450,000$194/sqftEst. $2,395/moMLS# 2145135

Beds

Baths

2,320

Sq Ft

2020

Built

Garage

Pool

About this home

Gran Lake

No CDD Fees!! Price Reduced!! Step inside this beautifully designed 5 bedroom, 3 bath home offering 2,320 square feet of thoughtfully planned living space with breathtaking lake views. The open-concept layout seamlessly connects the gourmet kitchen, breakfast nook, and spacious family room, creating the perfect setting for both everyday living and entertaining. The kitchen features granite counters, stainless steel appliances, a natural gas cooktop, combo microwave/wall oven, and abundant workspace for the home chef, as well as a walk-in pantry. The spacious primary suite is a private retreat with stunning water views. The spa-like primary bath features a large walk-in shower and relaxing soaking tub. The split-bedroom floor plan provides privacy for guests, with two guest bedrooms and a full bath just off the main living space. An additional bedroom at the front of the home has double doors and offers flexibility as a home office, den, or fourth bedroom. Upstairs, the bonus room

Cost to own

Mortgage calculator

Home Price

$450,000

Down Payment: 20%

$90,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,273

Principal & Interest: $2,273

Est. Taxes & Insurance: $568

Estimated Total Monthly

$2,841

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$2,395

Property taxesest. at asking price, St. Johns County$599

HOAbilled semi-annually$145

Estimated total, before insurance$3,139/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

Year	Market value	Taxable value	Change
2025	$423,038	$323,580	—
2024	$430,360	$313,753	—
2023	$413,555	$303,158	—
2022	$356,306	$292,872	—
2021	$272,903	$272,903	▲ $574
2020	$65,000	$65,000	—

2025 property taxes (current owner): $4,854/yr

Estimated taxes if purchased at asking price: ~$7,200/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 F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2020)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,754 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

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

Jul 9, 2026Price change$450,000−$20,000
May 14, 2026Listed$470,000

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

Features

Price$450,000

Price / Sq Ft$194

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,320

Acres0.16 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address255 Willow Lake Drive, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionGran Lake

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,969.6 sq ft

Parcel Number0289912910

ZoningSingle Family

Amenities

AmenitiesPool, Clubhouse, Jogging Path, Playground

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LaundryElectric Dryer Hookup, Washer Hookup