Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Summer Bay At Grand Oaks, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·45 days on market·Summer Bay At Grand Oaks

169 Hickory Pine Drive

St. Augustine, FL 32092

$569,900$284/sqftEst. $2,930/moMLS# 2156086

Beds

Baths

2,005

Sq Ft

2024

Built

Garage

Pool

About this home

Summer Bay At Grand Oaks

Talk about upgrades! Everything that could be upgraded has been upgraded. From the lighting and flooring to the cabinetry, countertops, fixtures, mechanical systems, and even the garage, virtually every inch of this home has been thoughtfully enhanced, creating a truly move-in ready home where quality and attention to detail shine in every room. Located in the gated 55+ community of Summer Bay at Grand Oaks, this home is the perfect blend of style, comfort, and easy living. The open floor plan is bright and welcoming with elegant tray ceilings, rounded corners, tile flooring throughout the main living areas, and glass French doors leading to a versatile flex room. Whether you're looking for a home office, craft room, fitness space, library, media room, or third bedroom, this flexible space is ready to fit your lifestyle. The kitchen is a standout, featuring upgraded white soft-close cabinetry, beautiful countertops, decorative backsplash, under-cabinet lighting, an upgraded

Cost to own

Mortgage calculator

Home Price

$569,900

Down Payment: 20%

$113,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,930

Principal & Interest: $2,930

Property taxes (est.): $758

Insurance (est.): $380

Estimated Total Monthly

$4,068

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,930

Property taxesest. at asking price, St. Johns County$758

HOAbilled monthly$158

Estimated total, before insurance$3,846/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,446/yr · $371/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

2025 property taxes (current owner): $4,446/yr

Estimated taxes if purchased at asking price: ~$9,100/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.

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 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

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

Aug 31, 2026Price change$569,900−$9,100
Jul 19, 2026Listed$579,000

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

Features

Price$569,900

Price / Sq Ft$284

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,005

Total Structure Area2,742 sq ft

Acres0.17 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Traditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

Direction FacesNorth

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address169 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 Size7,405.2 sq ft

Parcel Number0274531630

ZoningResidential

Amenities

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

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Range, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)