This home is in St. Johns — a home near Tocoi Creek High School.
Active·60 days on market
128 Windwalker Drive
St. Johns, FL 32092
About this home
St. Johns
Beautifully upgraded home with nearly $100,000 in enhancements, set on a generously sized lot with serene lake views in sought-after St. Johns County. This open-concept floor plan features soaring ceilings, modern finishes, luxury laminate hardwood floors, and seamless flow throughout the main living areas. The gourmet kitchen offers premium cabinetry, stainless steel appliances, and a large island overlooking the living and dining spaces. Downstairs includes a dedicated office/flex space, half bath, and laundry room. The spacious primary suite offers a spa-inspired bath and walk-in closet, while additional bedrooms each feature access to full baths for added privacy. Upstairs loft/flex space provides extra living options. The oversized tandem garage functions as a 3-car garage, offering exceptional storage and versatility. Relax on the upgraded backyard patio overlooking the lake!
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 (that applies to the reference bill above too).
Cost to own
Taxes & assessment
Last sold: $167,300 in November 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $631,465 | $558,806 | — |
| 2024 | $606,109 | $542,350 | — |
| 2023 | $575,097 | $525,097 | — |
| 2022 | $558,588 | $464,490 | — |
| 2021 | $499,990 | $449,490 | — |
| 2020 | $85,000 | $85,000 | — |
2025 property taxes (current owner): $8,022/yr
Estimated taxes if purchased at asking price: ~$13,200/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: ~1,767 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 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
- Jul 17, 2026Price change$825,000−$4,900
- Jul 9, 2026Price change$829,900−$10,000
- Jun 4, 2026Listed$839,900
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
Listing Courtesy of: DOGWOOD REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Wards Creek
Active Under Contract$749,999MLS# 2146570Est. $3,992/mo108 Kendall Way, St. Augustine, FL 320925 Beds4 Baths3,195 sqftWelcome to 108 Kendall Way, a beautifully maintained 5-bedroom, 4.5-bath pool home in St. Augustine's desirable 32092…
ResidentialREAL BROKER LLC
Active Under Contract$674,900MLS# 2154469Est. $3,592/mo466 Windwalker Drive, St. Augustine, FL 320924 Beds2 Baths2,689 sqftThe best homes don't just check the boxes. They make you feel at home the moment you walk through the front…
ResidentialEXP REALTY LLC
Keep looking
Similar homes in St. Johns
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines