This home is in St. Augustine.

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Active

Active·5 days on market

809 Golden Lake Loop

St. Augustine, FL 32084

$217,000$191/sqftEst. $1,106/moMLS# 2156365

Beds

Baths

1,139

Sq Ft

2016

Built

Garage

Pool

About this home

St. Augustine

Rare Ground-Floor 3/2 Condo in Sebastian Cove - Minutes to Historic St. Augustine & Beaches! Welcome to effortless Florida living in the highly sought-after community of Sebastian Cove! This beautiful ground-floor condo combines continuous modern updates, an exceptionally rare single-story layout, and an unbeatable location just minutes from downtown St. Augustine. Whether you are searching for a move-in-ready primary home, a low-maintenance coastal retreat, or a high-performing investment, this property offers incredible value in one of St. Johns County's most convenient corridors. True Ground-Floor Accessibility & Effortless Living Say goodbye to navigating stairs with heavy groceries or moving furniture. Positioned on the ground level, this home provides seamless, zero-stair entry directly from your front walkway or attached garage. Ground-floor single-level units in Sebastian Cove are always in high demand due to their day-to-day ease, accessible layout, and quiet convenience.

Cost to own

Mortgage calculator

Home Price

$217,000

Down Payment: 20%

$43,400

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,106

Principal & Interest: $1,106

Property taxes (est.): $289

Insurance (est.): $145

Estimated Total Monthly

$1,540

*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$1,106

Property taxesest. at asking price, St. Johns County$289

HOAbilled monthly$299

Estimated total, before insurance$1,694/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.

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: ~1,788 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