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 Windward Ranch, St. Augustine.

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Active

Active·44 days on market·Windward Ranch

194 Anguilla Boulevard

St. Augustine, FL 32092

$424,900$248/sqftEst. $2,166/moMLS# 2151330

Beds

Baths

1,716

Sq Ft

2019

Built

Garage

Pool

About this home

Windward Ranch

NO CDD FEES! LOW HOA OF ONLY $143/MONTH! OVER $60,000 IN UPGRADES! PRIVATE BACKYARD! Why wait to build when you can own a home that's already loaded with premium upgrades and move-in ready? From the moment you arrive, you'll notice the attention to detail with the professionally stained and sealed driveway, lush landscaping featuring over $9,500 in improvements, and outstanding curb appeal. Step inside to discover a thoughtfully upgraded interior showcasing elegant quartz countertops in both the kitchen and bathrooms, plantation shutters throughout, brand-new appliances, custom closet built-ins, and a whole-home water softener. Love to entertain or need additional flexible space? The screened garage with epoxy flooring creates the perfect extension of the home--ideal for a home gym, game room, workshop, or year-round entertaining while maintaining privacy and comfort.

Cost to own

Mortgage calculator

Home Price

$424,900

Down Payment: 20%

$84,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,166

Principal & Interest: $2,166

Property taxes (est.): $565

Insurance (est.): $283

Estimated Total Monthly

$3,015

*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$2,166

Property taxesest. at asking price, St. Johns County$565

HOAbilled quarterly$143

Estimated total, before insurance$2,875/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,709/yr · $392/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

Last sold: $420,000 in April 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$363,588	$312,866	—
2024	$377,336	$327,336	—
2023	$326,930	$174,309	—
2022	$310,928	$167,776	—
2021	$247,001	$161,433	—
2020	$233,769	$158,514	—

2025 property taxes (current owner): $4,709/yr

Estimated taxes if purchased at asking price: ~$6,800/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.

Outside all hurricane evacuation zones

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

Roof: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,783 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