This home is in St. Augustine.

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Active

Active·51 days on market

178 Laterra Links Circle 101

St. Augustine, FL 32092

$449,900$208/sqftEst. $2,294/moMLS# 2148635

Beds

Baths

2,160

Sq Ft

2007

Built

Garage

Pool

About this home

St. Augustine

Experience the best of golf course living in this beautifully maintained first-floor coach home in Laterra Links at King & Bear. Constructed of concrete block and ideally positioned on one of the community's most desirable homesites, this spacious residence offers over 2,100 square feet of living space with breathtaking water and golf course views. Enjoy your morning coffee from the screened lanai with sought-after eastern exposure overlooking the Par-3 6th tee, 5th fairway, and green. The thoughtfully designed floor plan features a flexible dining room that can easily accommodate a home office, elegant crown molding, pocket French doors, and a blend of wood, tile, and carpet flooring throughout. The updated kitchen is a standout, showcasing stainless steel appliances, granite countertops, tile backsplash, center island, breakfast bar, and abundant cabinetry for storage and entertaining. The spacious owner's suite offers tranquil golf course views, a large walk-in closet, and a

Cost to own

Mortgage calculator

Home Price

$449,900

Down Payment: 20%

$89,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,294

Principal & Interest: $2,294

Property taxes (est.): $599

Insurance (est.): $300

Estimated Total Monthly

$3,193

*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$2,294

Property taxesest. at asking price, St. Johns County$599

HOAbilled quarterly$217

Estimated total, before insurance$3,109/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,612/yr · $301/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

Year	Market value	Taxable value	Change
2025	$390,000	$231,388	—
2024	$425,000	$224,159	—
2023	$419,430	$216,174	—
2022	$354,000	$208,421	—
2021	$332,000	$200,894	—
2020	$324,000	$197,430	—

2025 property taxes (current owner): $3,612/yr

Estimated taxes if purchased at asking price: ~$7,200/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: Tile — year not disclosed (home built 2007)

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

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: ~1,771 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 4, 2026Listed$449,900

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

Features

Price$449,900

Price / Sq Ft$208

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage2,160

Year Built2007

TypeResidential

Sub-TypeCondominium

StyleFlat, Spanish

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address178 Laterra Links Circle 101, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionWgv Laterra Links Condo

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number2880012101

Amenities

AmenitiesDog Park, Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Management - Full Time, Park, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s), Trash

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street

ViewGolf Course, Pond, Trees/Woods

Interior

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

AppliancesOther, Dishwasher, Disposal, Electric Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

LaundryIn Unit, Sink

SecurityGated with Guard