This home is in Gran Lake, St. Augustine.

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Active Under Contract

Active Under Contract·45 days on market·Gran Lake

604 Willow Lake Drive

St. Augustine, FL 32092

$649,000$197/sqftEst. $3,299/moMLS# 2148657

Beds

Baths

3,287

Sq Ft

2020

Built

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$649,000

Down Payment: 20%

$129,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,299

Principal & Interest: $3,299

Est. Taxes & Insurance: $825

Estimated Total Monthly

$4,123

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 6.55% · 30yr$3,299

Property taxesest. at asking price, St. Johns County$864

HOAbilled semi-annually$145

Estimated total, before insurance$4,307/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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: ~$10,400/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: 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 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$649,000

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

Features

Price$649,000

Price / Sq Ft$197

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,287

Acres0.18 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address604 Willow Lake Drive, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionGran Lake

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,840.8 sq ft

Parcel Number0289912020

Amenities

AmenitiesPool, Clubhouse, Jogging Path, Playground, Water

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Water Heater, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Washer Hookup