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 Grand Oaks, St. Augustine — a waterfront home in St. Johns County.

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Active

Active·45 days on market·Grand Oaks

41 Cinnamon Teal Way

St. Augustine, FL 32092

$650,000$221/sqftEst. $3,338/moMLS# 2150779

Beds

Baths

2,939

Sq Ft

2023

Built

Garage

Pool

About this home

Grand Oaks

Welcome to this exceptional 2023 Toll Brothers home in Lakeview at Grand Oaks, featuring an expanded Dakota floor plan, luxury upgrades, and beautiful water views. Filled with natural light, this home offers upgraded hardwood oak flooring, elegant finishes, and a gourmet kitchen with upgraded cabinetry, stunning countertops, a pot filler, warming drawer, water filtration system, and custom pantry. The first floor includes two dining areas, a dedicated office/flex space, half bath, laundry room, and an extended primary suite overlooking the water. The spa-like primary bath features an upgraded marble tile shower, soaking tub, and custom walk-in closet. Upstairs, you'll find a loft, three additional bedrooms, two full baths, including a private en-suite, plus upgraded vanities. Enjoy the extended lanai, remote-controlled shades, added ceiling fans, abundant storage, and a finished two-car garage with epoxy flooring. Luxurious community amenities included!

Cost to own

Mortgage calculator

Home Price

$650,000

Down Payment: 20%

$130,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,338

Principal & Interest: $3,338

Property taxes (est.): $865

Insurance (est.): $433

Estimated Total Monthly

$4,636

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$3,338

Property taxesest. at asking price, St. Johns County$865

HOAbilled quarterly$101

Estimated total, before insurance$4,304/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,387/yr · $866/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: $679,300 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$514,758	$464,036	—
2024	$529,566	$479,566	▲ $2,631
2023	$56,000	$56,000	—
2022	$56,000	$55,000	—
2021	$50,000	$50,000	—

2025 property taxes (current owner): $10,387/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Other — year not disclosed (home built 2023)

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

Solar potential: ~1,763 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 10, 2026Active$650,000

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

Features

Price$650,000

Price / Sq Ft$221

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,939

Acres0.20 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

Community Information

Address41 Cinnamon Teal Way, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionGrand Oaks

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,712 sq ft

Parcel Number0274520980

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Gated, Playground

UtilitiesElectricity Connected, Sewer Connected

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level

SecurityOther

Spa FeaturesIn Ground, Community