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 Legends At St Johns, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·59 days on market·Legends At St Johns

315 Ryder Cup Circle 204

St. Augustine, FL 32092

$189,000$179/sqftEst. $964/moMLS# 2148935

Beds

Baths

1,055

Sq Ft

2005

Built

—

Garage

Pool

About this home

Legends At St Johns

Opportunity awaits in this 2-bedroom, 2-bath condo located in the gated Legends community in St. Johns County. Clean and ready for your personal updates, this second-floor unit offers a functional open floor plan, granite countertops, and spacious bedrooms. Enjoy the ease of ownership with a monthly HOA fee that covers water, sewer, basic cable, trash, insurance, pest control, exterior maintenance, and access to a variety of community amenities, including two pools, tennis courts, and a fitness center. When you're away from home, appreciate the convenience of nearby shopping, dining, and easy access to major commuter routes. This condo offers exceptional value and the opportunity to create a space that reflects your own style and vision.

Cost to own

Mortgage calculator

Home Price

$189,000

Down Payment: 20%

$37,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$964

Principal & Interest: $964

Property taxes (est.): $252

Insurance (est.): $126

Estimated Total Monthly

$1,341

*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$964

Property taxesest. at asking price, St. Johns County$251

HOAbilled monthly$490

Estimated total, before insurance$1,705/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,510/yr · $209/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	$194,000	$179,747	—
2024	$200,000	$163,406	—
2023	$214,830	$148,551	—
2022	$176,000	$135,046	—
2021	$136,000	$122,769	—
2020	$133,000	$111,608	—

2025 property taxes (current owner): $2,510/yr

Estimated taxes if purchased at asking price: ~$3,000/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: Tile — year not disclosed (home built 2005)

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: ~1,785 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 14, 2026Price change$189,000−$3,000
Jun 5, 2026Listed$192,000

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

Features

Price$189,000

Price / Sq Ft$179

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,055

Year Built2005

TypeResidential

Sub-TypeCondominium

StatusActive

Has PoolNo

Is WaterfrontNo

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address315 Ryder Cup Circle 204, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionLegends At St Johns

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number0282208245

Amenities

AmenitiesPool, Fitness Center, Management- On Site, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingUnassigned

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Plumbed For Ice Maker, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LaundryIn Unit, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)