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Active Under Contract

Active Under Contract·23 days on market

1030 Cheyenne Drive

St. Augustine, FL 32086

$175,000Est. $892/moMLS# 2151031

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

St. Augustine

Build your dream home in your own private nature reserve! This 0.68-acre uncleared lot in the established Wildwood Creek subdivision backs right up to a peaceful creek with no rear neighbors. Densely treed with stunning native oaks, this pristine property is a haven for local wildlife, regularly visited by deer, turkeys, and beautiful birds. Best of all, there are NO HOA or CDD restrictions--giving you full control over your design, builder, and timeline. Enjoy unmatched convenience just minutes from pristine beaches, Historic Downtown St. Augustine, I-95, excellent medical facilities, and top-rated St. Johns County schools. Snag one of the last remaining natural lots in the area today!

Cost to own

Mortgage calculator

Home Price

$175,000

Down Payment: 20%

$35,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$892

Principal & Interest: $892

Property taxes (est.): $233

Insurance (est.): $117

Estimated Total Monthly

$1,242

*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$892

Property taxesest. at asking price, St. Johns County$233

Estimated total, before insurance$1,125/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$104,000	$96,030	—
2024	$87,300	$87,300	—
2023	$87,300	$86,515	—
2022	$84,000	$78,650	—
2021	$75,000	$71,500	—
2020	$65,000	$65,000	—

Estimated taxes if purchased at asking price: ~$2,800/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified

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

Sewer · Wildwood Water System · Public water (record)

County records show this parcel on central sewer served by Wildwood Water System — no septic system to inspect or maintain.

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

Solar potential: ~1,490 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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