This home is in St. Augustine.

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Active Under Contract

Active Under Contract·56 days on market

108 Kendall Way

St. Augustine, FL 32092

$749,999$235/sqftEst. $3,992/moMLS# 2146570

Beds

Baths

3,195

Sq Ft

2020

Built

Garage

Yes

Pool

About this home

St. Augustine

Welcome to 108 Kendall Way, a beautifully maintained 5-bedroom, 4.5-bath pool home in St. Augustine's desirable 32092 area. Built in 2020 and located in a no CDD neighborhood near A-rated schools, this home offers the space, comfort, and everyday convenience buyers are looking for. Inside, new flooring flows through bright, open living areas with a custom fireplace feature wall, modern finishes, and a flexible layout where every bedroom has access to a bathroom. The spacious primary suite includes a spa-like bath with soaking tub, walk-in shower, and dual vanity. Out back, enjoy true Florida living with a private pool, paver patio, fenced yard, covered lanai, and room to relax or entertain. With a 2-car garage, great curb appeal, and a prime St. Augustine location, this home is ready for its next chapter.

Cost to own

Mortgage calculator

Home Price

$749,999

Down Payment: 20%

$150,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,812

Principal & Interest: $3,812

Est. Taxes & Insurance: $953

Estimated Total Monthly

$4,765

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,992

Property taxesest. at asking price, St. Johns County$998

HOAbilled semi-annually$65

Estimated total, before insurance$5,054/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, 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: $725,000 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$608,874	$542,550	—
2024	$587,547	$526,552	—
2023	$559,759	$509,759	—
2022	$519,947	$469,947	—
2021	$424,806	$424,806	—
2020	$85,000	$85,000	—

2025 property taxes (current owner): $7,803/yr

Estimated taxes if purchased at asking price: ~$12,000/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: ~1,726 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

Informational 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