This home is in Waterford Lakes, St. Augustine.
Active·62 days on market·Waterford Lakes
40 Barley Street
St. Augustine, FL 32092
About this home
Waterford Lakes
Exceptional value in Silverleaf! Built in 2024, this beautifully maintained 2 bedroom, 2.5 bath townhome offers modern comfort and a peaceful water view in the gated Waterford Lakes community. The open layout provides 1,442 sq ft of living space, highlighted by a screened lanai with privacy shade overlooking the pond, creating a serene backdrop for morning coffee or evening relaxation. Features include granite kitchen countertops, pantry, rear gutters with guards, a water softener, and all appliances conveying, tankless gas hot water heater, plus a one car garage with extended driveway. Residents enjoy exclusive access to a private pool and fitness center, low HOA fees, no CDD fees, top rated St. Johns County schools, easy access to highways, shopping, and restaurants, and the convenience of a golf cart friendly community. This move in ready home blends comfort, privacy, and lifestyle in one of St. Augustine's most desirable gated neighborhoods. Don't let this be the one that got away
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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: $386,000 in July 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $271,313 | $220,591 | — |
| 2024 | $64,000 | $64,000 | — |
| 2023 | $64,000 | $64,000 | — |
| 2022 | $16,800 | $16,800 | — |
Estimated taxes if purchased at asking price: ~$4,700/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 2024)
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 homeInformational 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 14, 2026Listed$294,999
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Waterford Lakes
Waterford Lakes is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Waterford Lakes homes for sale →Listing Courtesy of: RE/MAX BLUE COAST
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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