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 St. Augustine — a gated community home in St. Johns County.

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Pending

Pending·60 days on market

122 Timoga Trail 310-D

St. Augustine, FL 32084

$369,900$243/sqftEst. $1,908/moMLS# 2149691

Beds

Baths

1,520

Sq Ft

2021

Built

Garage

Pool

About this home

St. Augustine

Welcome home to this beautifully maintained end-unit condo, located in a desirable 55+ gated community just minutes from historic St Augustine. Offering a spacious two-car garage and numerous updates throughout, this move-in-ready home combines comfort, convenience, and low maintenance living. The interior features updated countertops, backsplash, interior paint, new appliances and tile flooring throughout the unit, creating a bright and inviting space. Pride of ownership is evident throughout this meticulously maintained residence. The end unit provides added privacy and lots of natural light. Attic has been finished out for extra storage. This property is ideally situated approximately 3. miles from downtown St Augustine and about 1 mile from I95, you'll enjoy easy access to shopping, dining, medical facilities, beaches and all Northeast Florida has to offer. Don't miss this opportunity to enjoy carefree living in a desirable gated 55+ community in a great location!!!

Cost to own

Mortgage calculator

Home Price

$369,900

Down Payment: 20%

$73,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,908

Principal & Interest: $1,908

Property taxes (est.): $492

Insurance (est.): $247

Estimated Total Monthly

$2,646

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,908

Property taxesest. at asking price, St. Johns County$492

HOAbilled monthly$438

Estimated total, before insurance$2,838/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,251/yr · $188/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

Last sold: $400,000 in February 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$318,000	$154,515	—
2024	$318,000	$318,000	—
2023	$314,805	$0	—
2022	$269,500	$0	—

2025 property taxes (current owner): $2,251/yr

Estimated taxes if purchased at asking price: ~$5,900/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: Shingle — year not disclosed (home built 2021)

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

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,725 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 31, 2026Pending$369,900
Jul 7, 2026Price change$369,900−$5,000
Jun 9, 2026Listed$374,900

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

Features

Price$369,900

Price / Sq Ft$243

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,520

Year Built2021

TypeResidential

Sub-TypeCondominium

StyleFlat, Patio Home, Villa

Property ConditionUpdated/Remodeled

StatusPending

# of Garages1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address122 Timoga Trail 310-D, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionVillages Of Seloy

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Parcel Number1019503104

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management - Off Site, Trash

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener, Guest

ViewCity

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit

SecuritySmoke Detector(s)