This home is in St. Augustine.
$659,0004 bd · 3 ba · 2,916 sq ft
Active·122 days on market
1604 Windjammer Lane
St. Augustine, FL 32084
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About this home
St. Augustine
Embrace the best of coastal living in this beautifully upgraded Mediterranean-style townhome in the heart of Vilano Beach. Overlooking the marsh with spectacular views of the Intracoastal Waterway, this move-in-ready, three-story residence offers the perfect blend of elegance, comfort, and convenience. Filled with natural light, the thoughtfully designed floor plan features elevator access to all three levels. The updated kitchen showcases newer appliances and stylish finishes! The stunning third-floor primary suite serves as a private retreat, complete with a gorgeous renovated bath and spacious bedroom designed for relaxation. Step onto the screened lanai to enjoy your morning coffee while taking in the peaceful marsh views and abundant wildlife. The extended garage provides ample space for vehicles, bikes, paddleboards, and all of your beach toys. This is move-in ready, with fresh interior paint, and low maintenance living with lawn maintenance covered by HOA.
Next steps in St. Augustine
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 (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.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified — year not disclosed (home built 2002)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,819 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 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 access
Third Stabout 0.3 mi
Closest park or preserve
Stokes Landing Conservation Areaabout 4 mi · 1.9 mi of trails
Closest public boat ramp
Vilano Public Boat Rampabout 3 mi · Tolomato River / St. Augustine Inlet
Closest kayak & paddleboard launch
Fort Mose Historic State Park – Kayak Launch Dockabout 2 mi · Robinson Creek - Tolomato River
Closest youth league fields
Ketterlinus Gym Community Centerabout 4 mi · Basketball
Closest grocery store
Winn-Dixieabout 3 mi · 3551 N Ponce De Leon Blvd, St Augustine
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $502,108 | $357,253 | — |
| 2024 | $492,658 | $346,336 | — |
| 2023 | $529,806 | $334,647 | — |
| 2022 | $452,036 | $327,798 | — |
| 2021 | $367,280 | $316,780 | — |
| 2020 | $374,028 | $374,028 | — |
2025 property taxes (current owner): $5,327/yr
Estimated taxes if purchased at asking price: ~$10,500/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
- Oct 22, 2026Price change$659,000−$16,000
- Aug 25, 2026Price change$675,000−$24,000
- Jul 8, 2026Active$699,000
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 $230/sq ft; this home is listed at $226/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1801 Windjammer Lane, St. Augustine, FL 32084Listed by WATSON REALTY CORP | Jun 2026 | $600,000 | $219 | 4/4 | 2,740 | 2 | 0 |
| 1301 Windjammer Lane, St. Augustine, FL 32084Listed by COLDWELL BANKER PREMIER PROPERTIES | May 2026 | $675,000 | $224 | 4/4 | 3,009 | 8 | 0.1 |
| 2102 Windjammer Lane, St. Augustine, FL 32084Listed by BEACHSIDE BROKERS REALTY, INC | Jan 2026 | $600,000 | $196 | 3/3.5 | 3,064 | 269 | 0.1 |
| 2003 Windjammer Lane, St. Augustine, FL 32084Listed by SHOE REALTY INC | Jun 2025 | $630,000 | $230 | 4/4 | 2,740 | 136 | 0.1 |
| 204 Seagate Lane S, St. Augustine, FL 32084Listed by COLDWELL BANKER PREMIER PROPERTIES | Jun 2025 | $712,500 | $237 | 4/4 | 3,009 | 81 | 0.2 |
| 325 S Ocean Grande Drive 201, Ponte Vedra Beach, FL 32082Listed by RE/MAX UNLIMITED | Sep 2026 | $810,000 | $362 | 3/3 | 2,239 | 39 | 0.5 |
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
Exterior
Additional Information
Listing Courtesy of: COMPASS FLORIDA 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.
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines