This home is in Gran Lake, St. Augustine.

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Active·Listed today·Gran Lake

491 Willow Lake Drive

St. Augustine, FL 32092

$599,999$234/sqftEst. $3,193/moMLS# 2155644

Beds

Baths

2,568

Sq Ft

2019

Built

Garage

Pool

About this home

Gran Lake

Rare lakefront opportunity in Gran Lake! This beautifully maintained 4BR/3BA home, built in 2019, offers 2568 sq. ft. on a premium .32-acre lot with stunning sunset views. The open floor plan features a gourmet kitchen with double ovens, abundant cabinetry, wraparound counters, coffee station, and new Whirlpool refrigerator. The spacious owner's suite overlooks the lake and includes bay windows and a large walk-in shower. Triple sliders open to a screened lanai with an electric retractable screen. Additional features include a 3-car garage, walk-up attic with auto lift, ceiling fans throughout, gas water heater and grill hookup. Enjoy low HOA, NO CDD, plus community amenities including a clubhouse, pool, walking trails, fishing, and kayaking. Just 15 miles from the beach and minutes from shopping and dining.

Cost to own

Mortgage calculator

Home Price

$599,999

Down Payment: 20%

$120,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,050

Principal & Interest: $3,050

Est. Taxes & Insurance: $762

Estimated Total Monthly

$3,812

*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$3,193

Property taxesest. at asking price, St. Johns County$798

HOAbilled monthly$145

Estimated total, before insurance$4,137/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

2025 property taxes (current owner): $4,246/yr

Estimated taxes if purchased at asking price: ~$9,600/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, 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 2019)

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

Solar potential: ~1,764 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