This home is in Waterford Lakes, St. Augustine — a gated community home in St. Johns County.
Active·107 days on market·Waterford Lakes
40 Barley Street
St. Augustine, FL 32092
About this home
Waterford Lakes
PRICE IMPROVEMENT! Open House - Saturday, 8/15, 11 am to 2 pm. Come see this beautifully maintained, 2024 built, two-bedroom, 2.5-bath townhome, offering a contemporary design & peaceful living 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 - a tranquil setting for morning coffee or evening relaxation. Features include granite kitchen countertops, a walk-in pantry, rear gutters with guards, water softener, tankless gas hot-water heater, and all appliances conveying, plus a one-car garage with extended driveway for two cars. The primary suite offers a walk-in shower, while the second bedroom features its own ensuite bath, providing comfort and privacy for guests or family. Additional guest parking nearby! Residents enjoy exclusive access to a private pool and fitness center, low HOA fees, no CDD fees, top-rated
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, 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.
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: ~$4,600/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 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.
History
Price & status history
- Aug 10, 2026Price change$284,999−$5,000
- Jul 24, 2026Price change$289,999−$5,000
- 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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines