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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 Samara Lakes, St. Johns.

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Active

Active·91 days on market·Samara Lakes

509 Knolle Court

St. Johns, FL 32092

$445,000$176/sqftEst. $2,465/moMLS# 2155826
↓ $15,000 below original list
3
Beds
2.5
Baths
2,529
Sq Ft
2006
Built
2
Garage
No
Pool

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

FEMA Zone XHOA $71/moSingle Family Residence2 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Samara Lakes

Welcome to this beautifully maintained 3-bedroom, 2.5-bath home offering 2,529 square feet of comfortable living in the highly desirable Samara Lakes community of World Golf Village. Thoughtfully updated with a newer roof, newer HVAC system, and newer water heater, this home is move-in ready and designed for both everyday living and entertaining. The spacious floor plan features an open-concept kitchen overlooking the living area, creating the perfect gathering space for family and friends. A separate formal dining room provides an elegant setting for holidays and special occasions. Upstairs, you'll find a versatile loft, a convenient laundry room, and generously sized bedrooms with large closets. The oversized primary suite offers a relaxing retreat with a spacious ensuite bathroom and an expansive walk-in closet. Step outside to enjoy the large patio overlooking a beautifully maintained backyard.

Next steps in Samara Lakes

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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$2,465
Property taxesest. at asking price, St. Johns County$592
HOAbilled annually$71
Estimated total, before insurance$3,128/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$445,000
$89,000
Loan Term
Monthly Payment
$2,465
Principal & Interest: $2,465
Property taxes (est.): $592
Insurance (est.): $297
Estimated Total Monthly
$3,354
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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: material not specified — year not disclosed (home built 2006)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,767 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

Price & status history

  • Sep 18, 2026Price change$445,000−$5,000
  • Jul 31, 2026Price change$450,000−$10,000
  • Jul 17, 2026Listed$460,000

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 $221/sq ft; this home is listed at $176/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
448 Bostwick Circle, St. Augustine, FL 32092Listed by DJ & LINDSEY REAL ESTATESep 2026$435,000$1504/2.52,897440.1
1176 Nochaway Drive, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLCSep 2026$425,000$1894/22,251730.4
2421 E Caparina Drive, St. Augustine, FL 32092Listed by UNITED REAL ESTATE GALLERYSep 2026$510,000$2404/32,129250.7
2781 Oakgrove Avenue, St. Johns, FL 32092Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYOct 2026$630,000$2283/32,767851.3
408 Rustic Mill Drive, St. Augustine, FL 32092Listed by REAL BROKER LLCAug 2026$535,000$2213/3.52,4221471.3
92 Patina Place, St. Augustine, FL 32092Listed by REALTY ONE GROUP ELEVATESep 2026$439,000$1874/32,345361.5

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$445,000
Price / Sq Ft$176
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,529
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address509 Knolle Court, St. Johns, FL 32092
Area308-World Golf Village Area-SW
SubdivisionSamara Lakes
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32092
Parcel Number0275011500

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories2

Additional Information

Date ListedJuly 17, 2026
Days on Market66
HOA Fees$852 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RIVER AND OAK REAL ESTATE

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 Samara Lakes

Samara Lakes is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.

View all Samara Lakes homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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