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 Windward Ranch, St. Augustine — a gated community home in St. Johns County.

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Active

Active·49 days on market·Windward Ranch

48 Martello Drive

St. Augustine, FL 32092

$480,000$226/sqftEst. $2,447/moMLS# 2148386

Beds

Baths

2,126

Sq Ft

2018

Built

Garage

Pool

About this home

Windward Ranch

Lakefront Living with Resort-Style Amenities -- NO cdd! Wake up to glassy water views and end every evening watching the sun sink behind the lake from your extended, full-length screened lanai -- complete with privacy curtains and the perfect footprint for a hot tub. This 3-bedroom + office + bonus room home sits on a premier lakefront lot with a fully fenced backyard and professionally landscaped front and rear yards. Inside, gorgeous new floors flow through every main living area.. The kitchen is the heart of the home -- has new quartz counter tops, 42'' cabinets, a gas stove, updated appliances, and a large center island made for entertaining. Solar tube in the kitchen and foyer flood the space with natural light all day, then gently illuminate it after dark. The primary suite features a private en-suite bath and a spacious walk-in custom closet. Recently updated kitchen and bathroom cabinets & countertops.

Cost to own

Mortgage calculator

Home Price

$480,000

Down Payment: 20%

$96,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,447

Principal & Interest: $2,447

Property taxes (est.): $639

Insurance (est.): $320

Estimated Total Monthly

$3,406

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,447

Property taxesest. at asking price, St. Johns County$639

HOAbilled quarterly$143

Estimated total, before insurance$3,229/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,684/yr · $474/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

Last sold: $475,000 in June 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$397,244	$397,244	—
2024	$406,627	$406,627	—
2023	$362,783	$184,743	—
2022	$347,745	$177,906	—
2021	$274,609	$171,268	—
2020	$256,399	$164,967	—

2025 property taxes (current owner): $5,684/yr

Estimated taxes if purchased at asking price: ~$7,700/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 2018)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,777 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

Jun 11, 2026Listed$480,000

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

Features

Price$480,000

Price / Sq Ft$226

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,126

Acres0.15 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

Community Information

Address48 Martello Drive, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionWindward Ranch

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,534 sq ft

Parcel Number0274424100

ZoningSingle Family

Amenities

AmenitiesBasketball Court, Children's Pool, Clubhouse, Fitness Center, Gated, Jogging Path, Park, Pickleball, Tennis Court(s)

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyAppliances

ParkingAttached, Garage, Garage Door Opener

ViewLake, Water

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringLaminate, Tile

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity Gate