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 Beacon Lake, St. Augustine.

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Active

Active·45 days on market·Beacon Lake

160 Whirlwind Place

St. Augustine, FL 32095

$515,000$245/sqftEst. $2,626/moMLS# 2151206

Beds

Baths

2,098

Sq Ft

2024

Built

Garage

Pool

About this home

Beacon Lake

**BONUS: Save thousands when you work with our preferred lender and receive up to 1% of the loan amount towards your closing cost, interest rate buy down or prepaid!! Why wait months for new construction when you can move right into this beautifully maintained 2024 home. Offering 4 bedrooms, 2.5 baths, and fully fenced backyard overlooking a peaceful preserve, this home truly checks all the boxes. Enjoy your morning coffee or evening gatherings on the newly added paver patio or screened in porch perfect for relaxing or entertaining. Inside, you'll find a bright, open floor plan with contemporary finishes and plenty of space for both entertaining and daily living. Located in the sought-after Beacon Lake, this community offers fantastic amenities. This home is truly move-in ready and offers all the benefits of new construction without the wait. Just unpack and start enjoying everything this wonderful home and neighborhood have to offer!

Cost to own

Mortgage calculator

Home Price

$515,000

Down Payment: 20%

$103,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,626

Principal & Interest: $2,626

Property taxes (est.): $685

Insurance (est.): $343

Estimated Total Monthly

$3,654

*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$2,626

Property taxesest. at asking price, St. Johns County$685

HOAbilled annually$5

Estimated total, before insurance$3,316/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

Last sold: $500,700 in July 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$409,877	$359,155	—
2024	$95,000	$95,000	—

Estimated taxes if purchased at asking price: ~$8,200/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.

Outside all hurricane evacuation zones

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

Roof: material not specified — year not disclosed (home built 2024)

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

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