This home is in Windward Ranch, St. Augustine — a gated community home in St. Johns County.
Sold·Closed Jul 21, 2026·7 days on market·Recent sales in Windward Ranch·Windward Ranch
35 Montserrat Drive
St. Augustine, FL 32092
7 more homes for sale in Windward Ranch →Search Windward Ranch on the map
About this home
Windward Ranch
This stunning, 3-bedroom, 2-bathroom home in the gated, Windward Ranch subdivision, boasts quartz countertops, 42'' cabinets, stainless steel appliances, as well as a gas stove. Enjoy ceramic wood tile throughout the common areas and upgraded LVP in the bedrooms. The outdoor living space beckons you with a screened paver lanai, a fully fenced in backyard, all offered on a corner lot in a cul de sac. This gem is located in the highly sought-after St. Johns county with no CDD fees. Enjoy access to a variety of amenities, including a zero entry, resort style pool, featuring cabanas and a cafe for snacks/drinks. A top notch fitness center, including pickle ball courts, basketball court, mini golf, and golf cart parking/ paths are all included in the Windward Ranch lifestyle.
Next steps in Windward Ranch
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Membrane — year not disclosed (home built 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,766 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $325,501 | $194,672 | — |
| 2024 | $334,353 | $188,478 | — |
| 2023 | $296,945 | $181,532 | — |
| 2022 | $282,536 | $174,788 | — |
| 2021 | $60,000 | $60,000 | — |
| 2020 | $60,000 | $60,000 | — |
Estimated taxes if purchased at asking price: ~$5,800/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.
History
Price & status history
- Jul 21, 2026Closed$375,000
- Jun 11, 2026Listed$375,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $238/sq ft; this home is listed at $242/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 204 Tintamarre Drive, St. Augustine, FL 32092Listed by WATSON REALTY CORP | Aug 2026 | $389,000 | $227 | 3/2 | 1,716 | 5 | 0.5 |
| 177 Orient Drive, St. Augustine, FL 32092Listed by OPENDOOR BROKERAGE, LLC. | Jun 2026 | $349,000 | $180 | 4/2 | 1,944 | 89 | 0.6 |
| 273 Whisper Ridge Drive, St. Augustine, FL 32092Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jul 2026 | $490,000 | $267 | 3/2 | 1,833 | 35 | 0.8 |
| 1599 Timber Trace Drive, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $400,000 | $199 | 4/2 | 2,006 | 25 | 0.9 |
| 167 Red Barn Road, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLC | May 2026 | $505,000 | $286 | 4/2 | 1,766 | 206 | 1 |
| 217 Fairlake Circle, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLC | Jul 2026 | $375,000 | $238 | 3/2 | 1,575 | 128 | 1.1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SIGNATURE REALTY ASSOCIATES
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Windward Ranch
Windward Ranch is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.
View all Windward Ranch homes for sale →Keep looking
More homes in Windward Ranch
Pending150 Tintamarre DriveSt. Augustine, FL 32092
3 bd · 2 ba · 1,716 sq ft
$385,000Est. $2,049/moWelcome to 150 Tintamarre Dr, a beautifully maintained home in the highly desirable Windward Ranch community in St.…
Listing Office: signature realty associates
Pending194 Anguilla BoulevardSt. Augustine, FL 32092
3 bd · 2 ba · 1,716 sq ft
$424,900Est. $2,261/moNO CDD FEES! LOW HOA OF ONLY $143/MONTH! OVER $60,000 IN UPGRADES! PRIVATE BACKYARD! Why wait to build when you can…
Listing Office: re/max signature
For Sale21 Antilles RoadSt. Augustine, FL 32092
4 bd · 2.5 ba · 2,430 sq ft
$429,900Est. $2,288/moThis 4-bedroom, 2.5-bathroom two-story home is situated on a desirable corner lot just close to the waterfront,…
Listing Office: entera realty llc
For Sale251 Tintamarre DriveSt. Augustine, FL 32092
3 bd · 2 ba · 2,126 sq ft
$470,000Est. $2,502/moWelcome to this 3 bedroom, 2 full bath home located in the highly sought after, gated Windward Ranch. This gem includes…
Listing Office: signature realty associates
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 21, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ 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
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