This home is in Beacon Lake, St. Augustine.
$499,0004 bd · 2.5 ba · 2,098 sq ft
Active·137 days on market·Beacon Lake
160 Whirlwind Place
St. Augustine, FL 32095
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About this home
Beacon Lake
SELLER OFFERING $10,000 CREDIT TOWARDS CLOSING COST OR RATE BUY DOWN WITH AN ACCEPTABLE OFFER!! Welcome to an exceptional opportunity to own a 2024 built home in the highly coveted Beacon Lake community. Enjoy world class amenities and St.Johns county A-rated schools, just biking distance away! Set along a peaceful preserve backdrop, this stunning residence delivers a thoughtfully designed floor plan, offers four spacious bedrooms, three bathrooms and a versatile loft perfect for a home office, media room, playroom, or additional living spaces. With over $20,000+ in upgrades including a paver patio, fenced in back yard, custom trim and paint this home is better than new!! Every detail has been elevated to a create a polished, move-in-ready home!
Next steps in Beacon Lake
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve beach lot (middle)33 min drive · 80 parking spaces
Closest park or preserve
Gourd Island Conservation Area10 min drive · 3.3 mi of trails
Closest public boat ramp
Palm Valley Public Landingabout 7 mi · Tolomato River
Closest kayak & paddleboard launch
Nocatee Landing Park – Paddlecraft Rampabout 5 mi · Tolomato River
Closest youth league fields
Nocatee Community Park12 min drive · Soccer
Closest grocery store
Publix3 min drive · 835 Cr 210 W, Saint Johns
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
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: ~$8,000/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.
History
Price & status history
- Nov 2, 2026Price change$499,000−$15,900
- Sep 28, 2026Price change$514,900−$100
- Jul 27, 2026Price change$515,000−$10,000
- Jul 9, 2026Price change$525,000−$5,000
- Jun 18, 2026Listed$530,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $250/sq ft; this home is listed at $238/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 65 Stargaze Lane, St. Augustine, FL 32095Listed by BLUEFIN REAL ESTATE GROUP | Sep 2026 | $525,000 | $226 | 3/2.5 | 2,328 | 25 | 0.3 |
| 368 Stargaze Lane, St. Augustine, FL 32095Listed by BLUEFIN REAL ESTATE GROUP | Aug 2026 | $540,000 | $260 | 4/2.5 | 2,075 | 50 | 0.4 |
| 100 Leclerc Court, St. Augustine, FL 32095Listed by CASTILLO REAL ESTATE JAX | Sep 2026 | $490,000 | $250 | 4/2 | 1,963 | 87 | 1.1 |
| 204 Silver Creek Place, St. Augustine, FL 32095Listed by EXP REALTY LLC | Sep 2026 | $530,000 | $233 | 4/2.5 | 2,270 | 125 | 1.1 |
| 47 Starnberg Court, St. Augustine, FL 32095Listed by REAL BROKER LLC | Nov 2026 | $515,000 | $222 | 3/2.5 | 2,322 | 14 | 1.2 |
| 490 Windermere Way, St. Augustine, FL 32095Listed by EXP REALTY LLC | Oct 2026 | $450,000 | $279 | 3/2 | 1,614 | 8 | 1.2 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: REAL BROKER LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Beacon Lake
Beacon Lake is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.
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Krista Fracke
Broker Associate
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