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 Summer Bay At Grand Oaks, St. Augustine — a gated community home in St. Johns County.

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Active Under Contract

Active Under Contract·102 days on market·Summer Bay At Grand Oaks

94 Lone Cypress Way

St. Augustine, FL 32092

$475,000$263/sqftEst. $2,442/moMLS# 2146492

Beds

Baths

1,807

Sq Ft

2024

Built

Garage

Pool

About this home

Summer Bay At Grand Oaks

Welcome to 94 Lone Cypress Way in the highly sought-after Summer Bay at Grand Oaks community in St. Augustine! This beautifully designed home offers the perfect blend of comfort, style, and low-maintenance living. Enjoy an open-concept floor plan filled with natural light, a spacious kitchen with upgraded finishes, and seamless indoor-outdoor living ideal for entertaining or relaxing. The private owner's suite provides a peaceful retreat with a spa-inspired bath and generous closet space. Located in a gated, resort-style community with exceptional amenities including a clubhouse, fitness center, pool, pickleball courts, and walking trails. Conveniently located near World Golf Village, shopping, dining, I-95, and historic downtown St. Augustine. A must-see opportunity to enjoy the Florida lifestyle!

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,442

Principal & Interest: $2,442

Property taxes (est.): $632

Insurance (est.): $317

Estimated Total Monthly

$3,391

*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$2,442

Property taxesest. at asking price, St. Johns County$632

HOAbilled monthly$158

Estimated total, before insurance$3,232/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,126/yr · $761/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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

Last sold: $524,600 in February 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$427,689	$376,967	—
2024	$105,000	$49,280	—
2023	$44,800	$44,800	—

2025 property taxes (current owner): $9,126/yr

Estimated taxes if purchased at asking price: ~$7,600/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: material not specified — 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 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