This home is in Gran Lake, St. Augustine — a home near Tocoi Creek High School.
Sold·Closed Jul 31, 2026·40 days on market·Recent sales in Gran Lake·Gran Lake
604 Willow Lake Drive
St. Augustine, FL 32092
4 more homes for sale in Gran Lake →Search Gran Lake on the map
About this home
Gran Lake
Built in 2020, this spacious five-bedroom home, including a private bonus suite upstairs, plus a dedicated office, offers the perfect combination of flexibility, comfort, and peace of mind. Inside, you'll find luxury vinyl plank flooring throughout the main living areas, a formal dining room, and a thoughtfully designed floor plan with room for everyone to spread out. The kitchen features quartz countertops, a large island, gas cooktop, and ample cabinet space, making it as functional as it is beautiful. The upstairs bonus suite includes its own bedroom, bathroom, and closet, creating the perfect space for guests, multi-generational living, a game room, home gym, or private retreat. Built just six years ago, you'll enjoy the benefits of newer construction, with the roof, HVAC, water heater, appliances, and major systems all approximately six years old.
Next steps in Gran Lake
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 (that applies to the reference bill above too).
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.
Hurricane evacuation zone F
Zone F evacuates after zones A, B, C, D, E in an approaching storm.
Roof: Shingle — year not disclosed (home built 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,707 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 | $568,172 | $369,289 | — |
| 2024 | $582,217 | $358,174 | — |
| 2023 | $559,308 | $346,285 | — |
| 2022 | $484,316 | $334,743 | — |
| 2021 | $373,537 | $323,537 | — |
| 2020 | $65,000 | $65,000 | — |
2025 property taxes (current owner): $5,469/yr
Estimated taxes if purchased at asking price: ~$9,800/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
- Aug 3, 2026Closed$649,000
- Jul 22, 2026Pending$649,000
- Jun 4, 2026Listed$649,000
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 $208/sq ft; this home is listed at $197/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 491 Willow Lake Drive, St. Augustine, FL 32092Listed by EXP REALTY LLC | Sep 2026 | $585,000 | $228 | 4/3 | 2,568 | 16 | 0.1 |
| 244 Willow Lake Drive, St. Augustine, FL 32092Listed by WEICHERT REALTORS COASTAL CITY | Oct 2026 | $500,000 | $151 | 4/3.5 | 3,305 | 216 | 0.2 |
| 255 Willow Lake Drive, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLC | Sep 2026 | $450,000 | $194 | 5/3 | 2,320 | 73 | 0.2 |
| 249 Brickstone Trace, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $499,000 | $208 | 3/2.5 | 2,395 | 364 | 0.5 |
| 210 Brickstone Trace, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Jul 2026 | $512,500 | $196 | 3/2.5 | 2,620 | 299 | 0.5 |
| 408 Rustic Mill Drive, St. Augustine, FL 32092Listed by REAL BROKER LLC | Aug 2026 | $535,000 | $221 | 3/3.5 | 2,422 | 147 | 0.9 |
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: REALTY ONE GROUP ELEVATE
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 Gran Lake
Gran Lake is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.
View all Gran Lake homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 31, 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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