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554 Lightsey Crossing Lane

St. Augustine, FL 32084

$435,000$210/sqftEst. $2,211/moMLS# 2156655

Beds

Baths

2,075

Sq Ft

2023

Built

Garage

Pool

About this home

St. Augustine

Welcome to 554 Lightsey Crossing Lane in the desirable Arbors at Lightsey Crossing, where modern design meets peaceful preserve and pond views. Built in 2023, this beautifully maintained 4-bedroom, 3-bathroom home offers a bright, open-concept layout designed for comfortable everyday living and effortless entertaining. The gourmet kitchen is the heart of the home, showcasing a large center island, quartz countertops, stainless steel appliances, a stylish subway tile backsplash, abundant cabinetry, a walk-in pantry, and designer lighting. The spacious primary suite is tucked away for privacy and features a spa-inspired bath with dual vanities, soaking tub, oversized walk-in shower, and generous walk-in closet. Three additional bedrooms and two full baths provide flexible space for guests, family, or a home office. Throughout the home you'll find upgraded ceiling fans, luxury finishes, and an abundance of natural light.

Cost to own

Mortgage calculator

Home Price

$435,000

Down Payment: 20%

$87,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,211

Principal & Interest: $2,211

Property taxes (est.): $579

Insurance (est.): $290

Estimated Total Monthly

$3,080

*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$2,211

Property taxesest. at asking price, St. Johns County$579

HOAbilled quarterly$100

Estimated total, before insurance$2,890/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): $3,596/yr

Estimated taxes if purchased at asking price: ~$6,900/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 2023)

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

Solar potential: ~1,759 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

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

Jul 23, 2026Listed$435,000

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

Features

Price$435,000

Price / Sq Ft$210

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,075

Acres0.15 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryWebster

MiddleMurray

HighSt. Augustine

Community Information

Address554 Lightsey Crossing Lane, St. Augustine, FL 32084

Area337-Old Moultrie Rd/Wildwood

SubdivisionArbors At Lightsey Crossing

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size6,534 sq ft

Parcel Number1008510380

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Playground

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Off Street

ViewWater

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup