This home is in Summer Bay At Grand Oaks, St. Augustine — a home near Tocoi Creek High School.
Active·90 days on market·Summer Bay At Grand Oaks
114 Lone Cypress Way
St. Augustine, FL 32092
7 more homes for sale in Summer Bay At Grand Oaks →Search Summer Bay At Grand Oaks on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Summer Bay At Grand Oaks
This nearly new, beautifully upgraded 3-bedroom, 2.5-bath home offers the perfect blend of comfort, style, and privacy. Designed with an open-concept floor plan, the home seamlessly connects the living, dining, and kitchen areas, creating an inviting space for everyday living and entertaining. The gourmet kitchen features quartz countertops, upgraded cabinetry, premium appliances, and a large center island ideal for meal prep and casual dining. The spacious owner's suite is privately located and includes two separate closets and a well-appointed en-suite bath designed for comfort and convenience. Step outside to the screened lanai with remote-controlled roller shades, an extended paver patio,with exterriorgas hookup for grilling--perfect for outdoor entertaining and relaxing. Set on a premium homesite, the property offers tranquil pond views and a green space along one side for added privacy. Residents enjoy resort-style amenities -pool, fitness center, clubhouse, pickleball and bocce.
Next steps in Summer Bay At Grand Oaks
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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).
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: Shingle — 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 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.
Sun & Light
Northeast-facing backyard — summer sunrises, all-day cool
The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:20 AM, sunset 7:10 PM.
- The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
- The coolest diagonal for a lanai; a pool here trades warmth for comfort.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
Last sold: $554,300 in May 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $453,301 | $402,579 | — |
| 2024 | $105,000 | $49,280 | — |
| 2023 | $44,800 | $44,800 | — |
2025 property taxes (current owner): $9,471/yr
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
- Jul 3, 2026Listed$499,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
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 Summer Bay At Grand Oaks
Summer Bay At Grand Oaks is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines