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This home is in WGV King Andbear, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·71 days on market·WGV King Andbear

5105 Foliage Way

St. Augustine, FL 32092

$595,000$238/sqftEst. $3,059/moMLS# 2145810

Beds

Baths

2,499

Sq Ft

2009

Built

Garage

Pool

About this home

WGV King Andbear

Welcome to 5105 Foliage Way, a stunning 4-bedroom, 3-bath home with a 3-car garage, tucked away on a quiet cul-de-sac in the highly sought-after gated community of King & Bear at World Golf Village. One of the standout features of this home is its solid poured concrete construction, a rare and highly desirable upgrade in Northeast Florida known for its durability and energy efficiency. Step inside to beautiful hand-scraped hardwood floors flowing throughout the formal living and dining rooms, spacious family room, and owner's suite. Elegant crown molding adds a refined touch throughout the main living areas. The thoughtfully designed 3-way split floor plan offers both privacy and functionality for families and guests alike. The owner's suite is a peaceful retreat featuring a bay window, volume ceilings, and a luxurious bath with dual vanities, a garden tub, and walk-in shower. The expansive kitchen offers 42'' cabinetry, granite countertops, and a breakfast bar that opens to the

Cost to own

Mortgage calculator

Home Price

$595,000

Down Payment: 20%

$119,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,059

Principal & Interest: $3,059

Property taxes (est.): $792

Insurance (est.): $397

Estimated Total Monthly

$4,247

*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$3,059

Property taxesest. at asking price, St. Johns County$792

HOAbilled quarterly$208

Estimated total, before insurance$4,059/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$524,325	$506,334	—
2024	$529,831	$460,304	—
2023	$496,541	$418,458	—
2022	$452,456	$380,416	—
2021	$345,833	$345,833	—
2020	$306,695	$160,873	—

Estimated taxes if purchased at asking price: ~$9,500/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2009)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,700 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

Jun 19, 2026Listed$595,000

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

Features

Price$595,000

Price / Sq Ft$238

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,499

Acres0.26 acres

Year Built2009

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryWards Creek

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address5105 Foliage Way, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionWgv King Andbear

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size11,325.6 sq ft

Parcel Number2881070800

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Golf Course, Jogging Path, Pickleball, Playground, Security, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Gas Range, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

SecurityGated with Guard, Smoke Detector(s)