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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St Augustine Lakes, St. Augustine — a waterfront home in St. Johns County.

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Sold

Sold·Closed Aug 19, 2026·3 days on market·Recent sales in St Augustine Lakes·St Augustine Lakes

264 Lake Sinclair Street

St. Augustine, FL 32084

$399,900sold priceListed at $399,900 · 100% of asking$197/sqftMLS# 2154482
4
Beds
3
Baths
2,027
Sq Ft
2023
Built
2
Garage
No
Pool

6 more homes for sale in St Augustine Lakes →Search St Augustine Lakes on the map

FEMA Zone XHOA $63/mo7,841 sqft lotWaterfrontSingle Family Residence1 story

About this home

St Augustine Lakes

This stunning home located in the heart of St Johns County features 4 bedrooms , 3 baths and 2027 sqft of living space ! As you enter the foyer you will notice tile flooring throughout the living area. to your right are 2 bedrooms with large closets and a full bath. To your left is an additional bedroom with an en-suite bath which is great for guest . Foyer opens to the family room & kitchen combination which is great for entertaining . Kitchen features quartz countertops , stainless steel appliance , large island tons of cabinet space and large pantry ! Light and bright family room features dining area & large sliders leading out to the screen and covered lanai overlooking the lake. Fenced backyard features extended pavers with room for a pool !!!! Spacious primary features en-suite bath with dual vanities and a separate tub and shower as well as 2 generous closets. This beautiful home won't last long !!!!!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,215
Property taxesest. at asking price, St. Johns County$532
HOAbilled quarterly$63
Estimated total, before insurance$2,810/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,449/yr · $621/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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

$399,900
$79,980
Loan Term
Monthly Payment
$2,215
Principal & Interest: $2,215
Property taxes (est.): $532
Insurance (est.): $267
Estimated Total Monthly
$3,014
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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.

Cost to own

Taxes & assessment

Last sold: $380,900 in November 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2024$316,846$316,846—
2023$53,000$53,000—

2025 property taxes (current owner): $7,449/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

  • Aug 19, 2026Closed$399,900
  • Aug 9, 2026Pending$399,900
  • Jul 13, 2026Active Under Contract$399,900
  • Jul 9, 2026Listed$399,900

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 $191/sq ft; this home is listed at $197/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
131 Beauclair Boulevard, St. Augustine, FL 32084Listed by EXP REALTY LLCAug 2026$430,000$1904/3.52,2651050.1
447 Lake Sinclair Street, St. Augustine, FL 32084Listed by HERRON REAL ESTATE LLCJun 2026$375,000$1854/32,02740.1
597 Lake Sinclair Street, St. Augustine, FL 32084Listed by HOUWZER, INC.Aug 2026$379,900$1874/32,027610.2
764 Lake Sinclair Street, St. Augustine, FL 32084Listed by COMPASS FLORIDA LLCJun 2026$410,000$1944/22,109850.2
27 Blue Cypress Trail, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2026$390,000$1924/32,027190.3
56 Disston Cove, St. Augustine, FL 32084Listed by SUNSHINE REALTY LLCAug 2026$399,000$1914/32,08880.3

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

Price$399,900
Price / Sq Ft$197
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,027
Acres0.18 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address264 Lake Sinclair Street, St. Augustine, FL 32084
Area336-Ravenswood/West Augustine
SubdivisionSt Augustine Lakes
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size7,840.8 sq ft
Parcel Number0954161550

Amenities

AmenitiesPool, Clubhouse, Playground
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewLake
Waterfront TypeLake Front

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne

Exterior

Patio / PorchCovered, Rear Porch, Screened
FencingWrought Iron
RoofShingle

Additional Information

Date ListedJuly 9, 2026
Days on Market3
HOA Fees$187.5 / Quarterly
HOA FrequencyQuarterly
HOA Fee IncludesInternet
Tax Amount$7,449.21
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS JACKSONVILLE

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.

The neighborhood

About St Augustine Lakes

St Augustine Lakes is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all St Augustine Lakes homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 19, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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