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 waterfront home in St. Johns County.

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Active

Active·44 days on market·Summer Bay At Grand Oaks

82 Lone Cypress Way

St. Augustine, FL 32092

$529,000$263/sqftEst. $2,722/moMLS# 2154047

Beds

Baths

2,011

Sq Ft

2023

Built

Garage

Pool

About this home

Summer Bay At Grand Oaks

Lakeside Living in Exclusive Summer Bay at Grand Oaks - 55+ Resort-Style Community. This beautifully maintained 3 bedroom, 2.5bath residence offers serene lakefront views and a lifestyle of comfort and convenience. Step inside to discover luxury vinyl plank flooring throughout--both stylish and low-maintenance. The open-concept kitchen boasts a huge island, gas range, stainlesssteel appliances, and tons of storage for all your culinary needs. Enjoy seamless indoor-outdoor living with a triple sliding glass door that opens toa spacious lanai and paved patio, perfect for relaxing or birdwatching in this tranquil setting. You will also love the views from your large primary suite, offering a tray ceiling, garden tub, frameless shower and two spacious closets. This home has two other bedrooms, one with an attached bath, great for quests and one with a Murphy bed, perfect for an office space but convenient for when the grandkids come to town!

Cost to own

Mortgage calculator

Home Price

$529,000

Down Payment: 20%

$105,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,722

Principal & Interest: $2,722

Property taxes (est.): $704

Insurance (est.): $353

Estimated Total Monthly

$3,779

*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$2,722

Property taxesest. at asking price, St. Johns County$704

HOAbilled monthly$158

Estimated total, before insurance$3,584/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,888/yr · $324/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: $509,800 in December 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$430,914	$0	—
2023	$44,800	$44,800	—

2025 property taxes (current owner): $3,888/yr

Estimated taxes if purchased at asking price: ~$8,400/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 (2024), 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 2023)

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