This home is in Gran Lake, St. Augustine — a home near Tocoi Creek High School.
Active Under Contract·45 days on market·Gran Lake
607 Willow Lake Drive
St. Augustine, FL 32092
About this home
Gran Lake
NEW PRICE - LAKEFRONT LIVING IN GRAN LAKE! 607 Willow Lake Drive | St. Augustine, FL 32092 Experience the perfect blend of comfort, style, and waterfront views in this beautifully maintained 4-bedroom, 3-bath lakefront home with over 2,550 square feet of living space and a 3-car garage. Built in 2020, this home features an open-concept floor plan, gourmet kitchen, luxury finishes, and stunning water views from your backyard retreat. Buyer Incentives You Don't Want to Miss! Assumable FHA Mortgage at Just 2.75% Interest Rate Approximate assumable loan balance of $398,000. Qualified buyers may have the opportunity to assume a mortgage rate far below today's market rates, potentially saving hundreds per month. $10,000 Seller Credit Toward Closing Costs Reduce your out-of-pocket expenses and make your move more affordable. Premium Lakefront Lot Enjoy peaceful water views, beautiful sunsets, and a custom paver patio perfect for entertaining and relaxing.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $493,529 | $461,582 | — |
| 2024 | $496,174 | $419,620 | — |
| 2023 | $476,729 | $381,473 | — |
| 2022 | $410,531 | $346,794 | — |
| 2021 | $315,267 | $315,267 | — |
| 2020 | $65,000 | $65,000 | — |
2024 property taxes (current owner): $5,921/yr
Estimated taxes if purchased at asking price: ~$9,200/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: ~1,737 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 homeAs 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 30, 2026Active Under Contract$579,000
- Jul 16, 2026Price change$579,000−$20,900
- Jun 16, 2026Listed$599,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Gran Lake
Gran Lake is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Gran Lake homes for sale →Listing Courtesy of: HERRON REAL ESTATE LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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