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 Samara Lakes, St. Augustine — a waterfront home in St. Johns County.

1 / 62

Active

Active·46 days on market·Samara Lakes

531 Colorado Springs Way

St. Augustine, FL 32092

$420,000$179/sqftEst. $2,141/moMLS# 2150795

Beds

Baths

2,348

Sq Ft

2016

Built

Garage

Pool

About this home

Samara Lakes

''A'' rated schools, no CDD fees & a location that makes life easy, this one checks the boxes. This home sits in a small, welcoming community with access to I-95, shopping & everything St. Augustine has to offer. The open floor plan makes everyday living & entertaining family & friends a natural fit. Tile floors & crown molding run throughout the main living areas downstairs. The Master Suite is located on the main level, with a tray ceiling & double crown molding. Your own quiet retreat at the end of the day. Upstairs, an open loft, 3 bedrooms & a full bath give the kids or guests their own space to spread out. Out back, enjoy your morning coffee on the screened lanai overlooking a peaceful pond, with a fully fenced yard ready for kids, pets & weekend gatherings. The home features a 2024 roof, reverse osmosis in kitchen & water softener, upgrades that make a difference day to day. Amenities include pool, fitness center, kids splash park & playground, basketball & sports courts.

Cost to own

Mortgage calculator

Home Price

$420,000

Down Payment: 20%

$84,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,141

Principal & Interest: $2,141

Property taxes (est.): $559

Insurance (est.): $280

Estimated Total Monthly

$2,980

*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$2,141

Property taxesest. at asking price, St. Johns County$559

HOAbilled monthly$71

Estimated total, before insurance$2,771/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,102/yr · $258/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	$368,304	$203,100	—
2024	$391,031	$196,669	—
2023	$396,915	$189,484	—
2022	$361,369	$182,509	—
2021	$253,998	$175,737	—
2020	$242,686	$172,620	—

2025 property taxes (current owner): $3,102/yr

Estimated taxes if purchased at asking price: ~$6,700/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 — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,767 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 15, 2026Listed$420,000

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

Features

Price$420,000

Price / Sq Ft$179

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,348

Acres0.17 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address531 Colorado Springs Way, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionSamara Lakes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,405.2 sq ft

Parcel Number0275017940

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level