This home is in St. Augustine.

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Active

Active·16 days on market

1812 Golden Lake Loop

St. Augustine, FL 32084

$173,000$172/sqftEst. $882/moMLS# 2154720

Beds

Baths

1,004

Sq Ft

2016

Built

Garage

Pool

About this home

St. Augustine

Easy living in the heart of St. Johns County with two things most units in this price range can't offer: an attached one-car garage and no neighbors overhead. This is the top floor, so once you head upstairs, every bit of living happens on one quiet, private level. The open family room flows into a kitchen with granite counters, stainless appliances, subway tile backsplash, and breakfast bar seating, plus a dedicated dining space for actual sit-down dinners. Two bedrooms and two full baths sit on opposite ends of the living area, giving everyone their own corner. Laundry and storage down, living up, it just works. When you're not home, the community pool and lawn care are somebody else's job. And the location earns its keep: minutes to I-95 and US-1, close to shopping, the outlets, historic downtown St. Augustine, and the beaches. First home, downsize, or lock-and-leave getaway, this one makes the everyday simple. Come see how easy it can be.

Cost to own

Mortgage calculator

Home Price

$173,000

Down Payment: 20%

$34,600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$882

Principal & Interest: $882

Property taxes (est.): $230

Insurance (est.): $115

Estimated Total Monthly

$1,228

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$882

Property taxesest. at asking price, St. Johns County$230

HOAbilled monthly$299

Estimated total, before insurance$1,411/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,532/yr · $211/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	$199,000	$166,375	—
2023	$205,530	$151,250	—
2022	$153,000	$137,500	—

2025 property taxes (current owner): $2,532/yr

Estimated taxes if purchased at asking price: ~$2,800/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 2016)

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

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,798 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 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