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 WGV Residences Condo, St. Augustine — a gated community home in St. Johns County.

1 / 42

Active

Active·59 days on market·WGV Residences Condo

145 N Champions Way 123

St. Augustine, FL 32092

$400,000$208/sqftEst. $2,054/moMLS# 2152193

Beds

Baths

1,921

Sq Ft

1998

Built

Garage

Pool

About this home

WGV Residences Condo

Stunning Condo in the heart of World Golf Village. You'll find spectacular views both inside and out at this serene location. Unique to some of the 2nd level condos, you'll find cathedral ceilings that make the already spacious 1,921 square foot home feel even more open and lit. Enjoy your day in the peaceful living room lined with solid wood bookcases, and relax next to the glow of the gas fireplace. The adjoining kitchen is built to entertain when you do have company, with plenty of room to cook and serve along the eat-in island. Tasteful finishes adorn the entire space and complement the warmth and luxury of the living area, guest room, ensuite, and primary bedroom. Your car will live it up in the 1 car garage that is included with the condo, an upgrade from the covered parking. You'll get access to the local condo pool, clubhouse, fitness center, and walking paths as well as master village amenities for more things to do that are all included with your association membership.

Cost to own

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,054

Principal & Interest: $2,054

Property taxes (est.): $532

Insurance (est.): $267

Estimated Total Monthly

$2,853

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,054

Property taxesest. at asking price, St. Johns County$532

HOAbilled monthly$770

Estimated total, before insurance$3,357/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,644/yr · $387/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: $335,000 in January 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$320,000	$320,000	—
2024	$329,220	$329,220	—
2023	$329,220	$279,220	—
2022	$246,000	$246,000	—
2021	$211,000	$161,000	—
2020	$209,000	$159,000	—

2025 property taxes (current owner): $4,644/yr

Estimated taxes if purchased at asking price: ~$6,400/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 A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 1998)

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

Likely sewer · utiity sewer proximity · Public water · utiity water proximity

County records indicate this parcel on central sewer served by utiity sewer proximity — no septic system to inspect or maintain.

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

Solar potential: ~1,691 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

Price & status history

Jun 24, 2026Listed$400,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$400,000

Price / Sq Ft$208

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage1,921

Year Built1998

TypeResidential

Sub-TypeCondominium

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesNorthwest

Community Information

Address145 N Champions Way 123, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionWgv Residences Condo

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number0279570123

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Golf Course, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Natural Gas Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Water Heater, Gas Cooktop, Gas Oven, Gas Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate, Tile, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryGas Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity Gate