Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Gran Lake, St. Augustine — a waterfront home in St. Johns County.

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Pending

Pending·107 days on market·Gran Lake

255 Willow Lake Drive

St. Augustine, FL 32092

$450,000$194/sqftEst. $2,313/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: 6.66%

Loan Term

Monthly Payment

$2,313

Principal & Interest: $2,313

Property taxes (est.): $599

Insurance (est.): $300

Estimated Total Monthly

$3,212

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$2,313

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

HOAbilled semi-annually$145

Estimated total, before insurance$3,057/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,854/yr · $404/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, 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	$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

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.

History

Price & status history

Jul 26, 2026Pending$450,000
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

StatusPending

# 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