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 Summer Bay At Grand Oaks, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·45 days on market·Summer Bay At Grand Oaks

114 Lone Cypress Way

St. Augustine, FL 32092

$499,000$251/sqftEst. $2,568/moMLS# 2152204

Beds

Baths

1,989

Sq Ft

2024

Built

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,568

Principal & Interest: $2,568

Property taxes (est.): $664

Insurance (est.): $333

Estimated Total Monthly

$3,565

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,568

Property taxesest. at asking price, St. Johns County$664

HOAbilled annually$13

Estimated total, before insurance$3,245/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,471/yr · $789/mo

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).

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.

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 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

Jul 3, 2026Listed$499,000

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

Features

Price$499,000

Price / Sq Ft$251

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,989

Total Structure Area3,025 sq ft

Acres0.14 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

Direction FacesSouthwest

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address114 Lone Cypress Way, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionSummer Bay At Grand Oaks

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,098.4 sq ft

Parcel Number0274531490

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Clubhouse, Dog Park, Gated, Management - Part Time, Pickleball, Spa/Hot Tub

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDryer, Electric Oven, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, Gas Range, Tankless Water Heater, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup