This home is in St. Augustine.
$399,900Active Under Contract3 bd · 2 ba · 1,342 sq ft
Active Under Contract·115 days on market
3701 Windjammer Lane
St. Augustine, FL 32084
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About this home
St. Augustine
Short walk to Beach. This rare end-unit townhome delivers privacy, space, and true essence of coastal living in Vilano Beach. Only a short walk to the beach. The house is boasting 3 bedrooms, 2 bathrooms, with a versatile sleeping loft that comfortably accommodates four, this home is perfect for growing families, frequent guests, or savvy investors seeking vacation rental income. Bathed in natural light, the bright open-concept layout creates a warm and inviting atmosphere. Recent major upgrades provide peace of mind and modern appeal, including a new roof (2024), new skylights, and a beautifully renovated bathroom. Best of all, you're just steps from Vilano Beach and minutes from the historic shops, restaurants, and conveniences of downtown St. Augustine. Turnkey, updated, and perfectly located -- it is coastal Florida living at its finest. Schedule your private showing today and make this exceptional town home yours!
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: Shingle — 2024 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Likely septic
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,612 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 |
|---|---|---|---|
| 2024 | $332,502 | $244,664 | — |
| 2023 | $300,064 | $222,422 | — |
| 2022 | $239,091 | $202,202 | — |
| 2021 | $189,508 | $183,820 | — |
| 2020 | $184,249 | $167,109 | — |
2025 property taxes (current owner): $4,373/yr
Estimated taxes if purchased at asking price: ~$6,400/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.
History
Price & status history
- Oct 19, 2026Active Under Contract$399,900
- Oct 14, 2026Price change$399,900−$10,000
- Aug 10, 2026Price change$409,900−$9,100
- Jul 7, 2026Listed$419,000
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 $324/sq ft; this home is listed at $298/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3904 Windjammer Lane, St. Augustine, FL 32084Listed by DJ & LINDSEY REAL ESTATE | Jul 2026 | $370,000 | $301 | 2/2 | 1,230 | 61 | 0 |
| 4602 Sandcastle Circle, St. Augustine, FL 32084Listed by STA REALTY | Jul 2025 | $375,000 | $352 | 2/2 | 1,065 | 127 | 0 |
| 4601 Sandcastle Circle, St. Augustine, FL 32084Listed by STA REALTY | Jul 2025 | $420,000 | $394 | 2/2 | 1,065 | 6 | 0 |
| 1002 Sanddollar Court, St. Augustine, FL 32084Listed by LIGHTHOUSE PROPERTY MANAGEMENT & REALTY LLC | Nov 2025 | $356,157 | $290 | 2/2 | 1,230 | 106 | 0.1 |
| 4502 Sandcastle Circle, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2025 | $345,000 | $324 | 2/2 | 1,065 | 35 | 0.1 |
| 1002 Sanddollar Court, St. Augustine, FL 32084Listed by RE/MAX SPECIALISTS | May 2025 | $250,000 | $203 | 2/2 | 1,230 | 86 | 0.1 |
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: 1 PERCENT LISTS FIRST COAST
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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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines