This home is in St. Augustine.

No photos available

This listing has no photos yet

No photos available

This listing has no photos yet

Active

Active·Listed today

404 Lake Sinclair Street

St. Augustine, FL 32084

$405,000$200/sqftEst. $2,065/moMLS# 2156770

Beds

Baths

2,027

Sq Ft

2023

Built

Garage

Pool

About this home

St. Augustine

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.

Cost to own

Mortgage calculator

Home Price

$405,000

Down Payment: 20%

$81,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,065

Principal & Interest: $2,065

Property taxes (est.): $539

Insurance (est.): $270

Estimated Total Monthly

$2,874

*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$2,065

Property taxesest. at asking price, St. Johns County$539

HOAbilled quarterly$63

Estimated total, before insurance$2,666/mo

Seller’s 2026 tax billper the MLS — includes any CDD / assessments$7,532/yr · $628/mo

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).

Cost to own

Taxes & assessment

2026 property taxes (current owner): $7,532/yr

Estimated taxes if purchased at asking price: ~$6,500/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.

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$405,000

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

Features

Price$405,000

Price / Sq Ft$200

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,027

Total Structure Area2,624 sq ft

Acres0.19 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesSouth

Community Information

Address404 Lake Sinclair Street, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionSt Augustine Lakes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size8,276.4 sq ft

Lot Dimensionsirregular

Parcel Number0954161450

ZoningPUD

Amenities

AmenitiesPool, Playground

UtilitiesSewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Off Street

ViewPond

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit