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This home is in WGV King Andbear, St. Augustine — a gated community home in St. Johns County.

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Active

Active·99 days on market·WGV King Andbear

1700 E Cobblestone Lane

St. Augustine, FL 32092

$599,900$217/sqftEst. $3,084/moMLS# 2146637

Beds

Baths

2,765

Sq Ft

2004

Built

Garage

Pool

About this home

WGV King Andbear

Welcome to gated golf course living in the sought-after King & Bear community of World Golf Village! This beautifully maintained single-story home offers over 2,700 sq ft of comfortable living space with timeless upgrades throughout. Featuring hardwood, tile, and carpet flooring, this home blends elegance and functionality. The spacious kitchen is designed for everyday living and entertaining with 42'' cabinetry, Corian countertops, newer stainless steel appliances, a large pantry, and abundant workspace. The inviting family room showcases custom built-in shelving and French doors leading to the covered lanai--perfect for relaxing or enjoying Florida's indoor/outdoor lifestyle. Originally designed as a 4-bedroom home, bedrooms 3 and 4 have been combined into one oversized room, creating a flexible non-conforming layout that can be converted back very easily if desired. Additional highlights include crown molding, a huge laundry room, water softener, reverse osmosis system, and an

Cost to own

Mortgage calculator

Home Price

$599,900

Down Payment: 20%

$119,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,084

Principal & Interest: $3,084

Property taxes (est.): $798

Insurance (est.): $400

Estimated Total Monthly

$4,282

*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$3,084

Property taxesest. at asking price, St. Johns County$798

HOAbilled quarterly$217

Estimated total, before insurance$4,099/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,720/yr · $310/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$512,743	$239,454	—
2024	$529,202	$231,998	—
2023	$527,051	$223,784	—
2022	$495,653	$215,810	—
2021	$322,606	$208,068	—
2020	$323,697	$204,505	—

2025 property taxes (current owner): $3,720/yr

Estimated taxes if purchased at asking price: ~$9,600/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.

Hurricane evacuation zone A

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

Roof: Shingle — year not disclosed (home built 2004)

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: ~1,719 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

Jul 13, 2026Price change$599,900−$39,100
May 22, 2026Listed$639,000

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

Features

Price$599,900

Price / Sq Ft$217

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,765

Total Structure Area3,744 sq ft

Acres0.23 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleFlat, Ranch

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address1700 E Cobblestone Lane, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionWgv King Andbear

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size10,018.8 sq ft

Parcel Number2880050010

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Dog Park, Fitness Center, Gated, Golf Course, Jogging Path, Management - Full Time, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Jack and Jill Bath, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit

Security24 Hour Security, Security Fence, Security Lights

Spa FeaturesCommunity