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 Cascades at World Golf Village, St. Augustine — a golf course home in St. Johns County.

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Active

Active·21 days on market·Cascades at World Golf Village

1212 Coghill Circle

St. Augustine, FL 32092

$329,999$214/sqftEst. $1,695/moMLS# 2153919

Beds

Baths

1,542

Sq Ft

2008

Built

Garage

Pool

About this home

Cascades at World Golf Village

Enjoy peaceful water views and maintenance-free living in this beautifully maintained home located in the highly sought-after Cascades 55+ community. Situated on a premium waterfront homesite with a fenced backyard, this unique floor plan offers a bright, open feel with vaulted ceilings, plantation shutters, tile flooring, and luxury vinyl wood-look flooring throughout. The spacious kitchen is filled with natural light and features Corian countertops, a pantry, and abundant cabinet space. A newer HVAC system (approximately 3 years old) is provided for added peace of mind. The flexible third bedroom is non-conforming and currently serves as a comfortable den or home office, making it ideal for today's lifestyle. You'll also appreciate the generous closet space throughout the home. Relax year-round in the oversized screened lanai while taking in the tranquil water views--an ideal setting for morning coffee or evening sunsets.

Cost to own

Mortgage calculator

Home Price

$329,999

Down Payment: 20%

$66,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,695

Principal & Interest: $1,695

Property taxes (est.): $439

Insurance (est.): $220

Estimated Total Monthly

$2,354

*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$1,695

Property taxesest. at asking price, St. Johns County$439

HOAbilled quarterly$420

Estimated total, before insurance$2,554/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,373/yr · $364/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

Year	Market value	Taxable value	Change
2024	$301,179	$285,909	—
2023	$287,525	$259,917	—
2022	$278,043	$236,288	—
2021	$214,807	$214,807	—
2020	$205,389	$205,389	—

2025 property taxes (current owner): $4,373/yr

Estimated taxes if purchased at asking price: ~$5,300/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 (2024), 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: Shingle — year not disclosed (home built 2008)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,795 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 August 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

Aug 3, 2026Active$329,999

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

Features

Price$329,999

Price / Sq Ft$214

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,542

Acres0.14 acres

Year Built2008

TypeResidential

Sub-TypeSingle Family Residence

StyleFlat

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

Community Information

Address1212 Coghill Circle, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionWgv Cascades

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,098.4 sq ft

Parcel Number0292212680

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Management - Full Time, Pickleball, Sauna, Shuffleboard Court, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage

ViewWater

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringLaminate, Tile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup

Spa FeaturesCommunity