This home is in St. Augustine.

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Active

Active·9 days on market

3701 Windjammer Lane

St. Augustine, FL 32084

$419,000$312/sqftEst. $2,230/moMLS# 2154198

Beds

Baths

1,342

Sq Ft

1985

Built

—

Garage

Pool

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!

Cost to own

Mortgage calculator

Home Price

$419,000

Down Payment: 20%

$83,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,130

Principal & Interest: $2,130

Est. Taxes & Insurance: $532

Estimated Total Monthly

$2,662

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,230

Property taxesest. at asking price, St. Johns County$558

HOAbilled monthly$60

Estimated total, before insurance$2,848/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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: ~$6,700/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.

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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 7, 2026Listed$419,000

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

Features

Price$419,000

Price / Sq Ft$312

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,342

Acres0.02 acres

Year Built1985

TypeResidential

Sub-TypeTownhouse

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address3701 Windjammer Lane, St. Augustine, FL 32084

Area266-Vilano Beach

SubdivisionPonte Vedra Shores W

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size871.2 sq ft

Parcel Number1423300371

Amenities

AmenitiesNone

UtilitiesElectricity Connected, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingOff Street, Parking Lot

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Primary Bathroom - Tub with Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Washer/Dryer Stacked

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

Window FeaturesSkylight(s)

SecuritySmoke Detector(s)