This home is in St Augustine Lakes, St. Augustine — a waterfront home in St. Johns County.
Active·90 days on market·St Augustine Lakes
404 Lake Sinclair Street
St. Augustine, FL 32084
4 more homes for sale in St Augustine Lakes →Search St Augustine Lakes on the map
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About this home
St Augustine Lakes
Perfectly positioned on a scenic pond homesite in the sought-after St. Augustine Lakes community this beautifully upgraded 4-bedroom, 3-bath home offers the ideal blend of modern comfort, thoughtful upgrades, and peaceful waterfront living. Designed with both comfort and functionality in mind, the open-concept floor plan seamlessly connects the kitchen, dining, and living areas, creating the perfect space for everyday living and entertaining. The kitchen is beautifully appointed with quartz countertops, an attractive tile backsplash, abundant cabinetry, and a spacious island overlooking the main living area. Large windows fill the home with natural light, while the enclosed screened lanai provides a comfortable place to relax and enjoy peaceful pond views throughout the year. The backyard has been thoughtfully enhanced with a wrought iron fence that maintains the open water views, along with a freshly re-sodded lawn, full irrigation system.
Next steps in St Augustine Lakes
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2023)
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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Nease Beachfront Park25 min drive · 14 parking spaces
Closest park or preserve
Twelve Mile Swamp Conservation Area7 min drive · 2.2 mi of trails
Closest public boat ramp
Vilano Public Boat Rampabout 4 mi · Tolomato River / St. Augustine Inlet
Closest kayak & paddleboard launch
San Sebastian River at Highway 16 Roadside Primitive Accessabout 3 mi · San Sebastian River
Closest youth league fields
Collier-Blocker-Puryear Park7 min drive · Basketball, Football, Lacrosse
Closest grocery store
Publix7 min drive · 955 State Road 16, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:32 AM, sunset 6:48 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2026 property taxes (current owner): $7,532/yr
Estimated taxes if purchased at asking price: ~$6,400/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
Price & status history
- Sep 4, 2026Price change$399,900−$5,100
- Jul 23, 2026Listed$405,000
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 $192/sq ft; this home is listed at $197/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 264 Lake Sinclair Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS JACKSONVILLE | Aug 2026 | $399,900 | $197 | 4/3 | 2,027 | 3 | 0.1 |
| 447 Lake Sinclair Street, St. Augustine, FL 32084Listed by HERRON REAL ESTATE LLC | Jun 2026 | $375,000 | $185 | 4/3 | 2,027 | 4 | 0.1 |
| 562 Lake Sinclair Street, St. Augustine, FL 32084Listed by COLDWELL BANKER PREMIER PROPERTIES | May 2026 | $348,000 | $204 | 3/2.5 | 1,710 | 62 | 0.1 |
| 597 Lake Sinclair Street, St. Augustine, FL 32084Listed by HOUWZER, INC. | Aug 2026 | $379,900 | $187 | 4/3 | 2,027 | 61 | 0.2 |
| 131 Beauclair Boulevard, St. Augustine, FL 32084Listed by EXP REALTY LLC | Aug 2026 | $430,000 | $190 | 4/3.5 | 2,265 | 105 | 0.2 |
| 27 Blue Cypress Trail, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Sep 2026 | $390,000 | $192 | 4/3 | 2,027 | 19 | 0.3 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOME SERVICES FLORIDA NETWORK
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 St Augustine Lakes
St Augustine Lakes is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.
View all St Augustine Lakes homes for sale →Keep looking
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Krista Fracke
Broker Associate
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Northeast Florida living
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