This home is in Brandon Lakes Townhomes, St. Augustine.

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Pending

Pending·45 days on market·Brandon Lakes Townhomes

491 Brandon Lakes Drive

St. Augustine, FL 32092

$295,500$204/sqftEst. $1,573/moMLS# 2148097

Beds

Baths

1,445

Sq Ft

2023

Built

Garage

Pool

About this home

Brandon Lakes Townhomes

Stop paying rent and start building equity in this beautifully designed Egret floor plan. Offering a spacious and functional layout, this home is ideal for both growing families and those looking to downsize without compromising on comfort. The main living area features an open-concept design with an upgraded 8-foot triple sliding glass door, creating a bright and airy atmosphere while seamlessly connecting indoor and outdoor spaces. The well-appointed kitchen serves as the heart of the home, complete with a large center island that overlooks the family room--perfect for hosting gatherings or enjoying everyday living. Upstairs, you'll find three generously sized bedrooms that provide ample space for family members, guests, or a home office. Thoughtfully designed with modern living in mind, this home offers the perfect combination of style, convenience, and functionality.

Cost to own

Mortgage calculator

Home Price

$295,500

Down Payment: 20%

$59,100

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,502

Principal & Interest: $1,502

Est. Taxes & Insurance: $375

Estimated Total Monthly

$1,877

*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$1,573

Property taxesest. at asking price, St. Johns County$393

HOAbilled quarterly$128

Estimated total, before insurance$2,094/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: $325,000 in November 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$275,692	$224,970	—
2024	$277,529	$227,529	—
2023	$68,000	$66,000	—
2022	$60,000	$60,000	▼ $46,400

2025 property taxes (current owner): $3,525/yr

Estimated taxes if purchased at asking price: ~$4,700/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: Shingle — year not disclosed (home built 2023)

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

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