This home is in Summer Bay At Grand Oaks, St. Augustine.

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Active·Listed today·Summer Bay At Grand Oaks

221 Hickory Pine Drive

St. Augustine, FL 32092

$539,900$266/sqftEst. $2,874/moMLS# 2154730

Beds

Baths

2,031

Sq Ft

2024

Built

Garage

Pool

About this home

Summer Bay At Grand Oaks

Welcome to 221 Hickory Pine Drive in Summer Bay at Grand Oaks. Enjoy exceptional amenities including a clubhouse, fitness center, pickleball courts, spa-style pool, community garden, grilling area, and access to the Grand Oaks amenities. Offering 2,031 square feet of thoughtfully designed living space, this pristine 3-bedroom, 2-bath home with a spacious flex room is sure to impress. The bright, open-concept kitchen flows into the dining and gathering areas, creating the perfect space for everyday living and entertaining. The oversized flex room with a bay window is ideal for a home office or hobby room, while the two guest bedrooms are thoughtfully tucked away, offering privacy from the owner's suite. Additional highlights include tile flooring throughout, an updated owner's shower, double insulated shades, a water softener, reverse osmosis system, and epoxy coated garage. Situated on an oversized homesite with long pond views, this move-in-ready home is Florida living at its best.

Cost to own

Mortgage calculator

Home Price

$539,900

Down Payment: 20%

$107,980

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,874

Principal & Interest: $2,874

Est. Taxes & Insurance: $718

Estimated Total Monthly

$3,592

*Estimates based on 30-year loan at 7% APR. 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$2,874

Property taxesest. at asking price, St. Johns County$718

HOAbilled monthly$158

Estimated total, before insurance$3,750/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

Last sold: $478,400 in March 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$105,000	$49,280	—
2023	$44,800	$44,800	—

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

Estimated taxes if purchased at asking price: ~$8,600/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2024)

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

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 10, 2026Listed$539,900

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

Features

Price$539,900

Price / Sq Ft$266

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,031

Acres0.20 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address221 Hickory Pine Drive, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionSummer Bay At Grand Oaks

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,712 sq ft

Parcel Number0274531600

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Management - Full Time, Pickleball, Spa/Hot Tub, Tennis Court(s), Trash

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup