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 Kensington, St. Augustine.

1 / 73

Active

Active·88 days on market·Kensington

1121 Westfield Way

St. Augustine, FL 32095

$625,000$258/sqftEst. $3,213/moMLS# 2148585

Beds

Baths

2,426

Sq Ft

2009

Built

Garage

Pool

About this home

Kensington

Mattamy built home in St. Johns Country. No CDD. Beautifully landscaped split bedroom floor plan. Large primary suite double vanity, separate garden tub and shower on first floor. Tile through out main areas and primary, New Carpet installed in0 all secondary bedrooms. Oversized 5th bedroom upstairs on-suite private bathroom. Newer zoned HVAC. New roof 2024. Oversized patio installed 2023 has retractable screens and secondary covered patio space with electrical. The outside area is thoughtfully landscaped with established hedges to provide natural privacy barrier fencing and beautiful backdrop. Home has a new well pump and recently inspected irrigation system. Kitchen outfitted with New Moen garbage disposal. New smart GE dishwasher w third row & bottle wash jets, piranha hard food disposer. MORE upgrades include double crown molding in main area and primary, double tray ceilings, closet system.

Cost to own

Mortgage calculator

Home Price

$625,000

Down Payment: 20%

$125,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,213

Principal & Interest: $3,213

Property taxes (est.): $832

Insurance (est.): $417

Estimated Total Monthly

$4,461

*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$3,213

Property taxesest. at asking price, St. Johns County$832

HOAbilled annually$79

Estimated total, before insurance$4,123/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,539/yr · $545/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: $550,000 in July 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$460,685	$460,685	—
2024	$455,290	$455,290	—
2023	$445,796	$445,796	—
2022	$418,488	$242,506	—
2021	$291,881	$233,986	—
2020	$280,065	$230,065	—

2025 property taxes (current owner): $6,539/yr

Estimated taxes if purchased at asking price: ~$10,000/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,785 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$625,000−$14,900
Jun 3, 2026Listed$639,900

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

Features

Price$625,000

Price / Sq Ft$258

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,426

Acres0.25 acres

Year Built2009

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address1121 Westfield Way, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionKensington

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size10,890 sq ft

Parcel Number0717622420

Amenities

UtilitiesElectricity Available, Electricity Connected, Sewer Connected, Water Available, Water Connected

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Other

AppliancesDishwasher, Dryer, Electric Range, Refrigerator, Washer

HeatingCentral

CoolingCentral Air, Multi Units

FlooringCarpet, Tile

# of Stories2

LaundryIn Unit, Washer Hookup