This home is in St. Augustine.

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9244 July Lane

St. Augustine, FL 32080

$699,000$403/sqftEst. $3,553/moMLS# 2156571

Beds

Baths

1,733

Sq Ft

1992

Built

Garage

Pool

About this home

St. Augustine

If you've been looking for water views without the waterfront price tag, this home in the gated community of Summer Island deserves a closer look. Enjoy both ocean AND Intracoastal views, a 5-minute walk to the beach, and the added benefit of being located in Flood Zone ''X''. This well-maintained, single-level home offers 2,118 square feet with 3 bedrooms and 2 bathrooms. Vaulted ceilings, skylights, and expansive windows fill the interior with natural light while showcasing the surrounding water views. Recent improvements include a new roof in 2022 and a new HVAC system in 2025, providing added value and peace of mind. The living room features a wood-burning fireplace and sliding glass doors that open to the enclosed sunroom, creating a comfortable space to enjoy your morning coffee, read a book, or simply take in the panoramic ocean views.

Cost to own

Mortgage calculator

Home Price

$699,000

Down Payment: 20%

$139,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,553

Principal & Interest: $3,553

Property taxes (est.): $930

Insurance (est.): $466

Estimated Total Monthly

$4,949

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$3,553

Property taxesest. at asking price, St. Johns County$930

HOAbilled quarterly$254

Estimated total, before insurance$4,737/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): $4,430/yr

Estimated taxes if purchased at asking price: ~$11,200/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.

History