This home is in WGV Heritage Landing, St. Augustine.

1 / 53

Active

Active·Listed today·WGV Heritage Landing

1225 Splendid Ravine Street

St. Augustine, FL 32092

$529,000$177/sqftEst. $2,697/moMLS# 2156977

Beds

Baths

2,986

Sq Ft

2004

Built

Garage

Pool

About this home

WGV Heritage Landing

This beautifully updated 5-bedroom, 2.5-bath home sits on a quiet cul-de-sac and backs to a wooded preserve, with a private walk-through gate leading directly to the community amenity center. Nearly 3,000 SF of living space blends real wood flooring, travertine tile, and an open, functional layout with a flexible main-level bonus area. The chef's kitchen features 42'' cabinets with crown molding, granite counters, tile backsplash, gas cooktop, double convection ovens, a farmhouse sink, and newer stainless appliances. Retreat to a spacious primary suite with a jetted tub, rain shower with dual heads, and cultured marble counters. The big-ticket updates are already done: new roof (2023), dual Goodman heat-pump A/C systems with UV germicidal treatment (2022), water heater (2023), reverse-osmosis water softener (2026), and fresh exterior paint (2024). Step outside to a fenced backyard with a covered lanai, gas hookup for an outdoor kitchen, full irrigation from a deep artesian well

Cost to own

Mortgage calculator

Home Price

$529,000

Down Payment: 20%

$105,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,697

Principal & Interest: $2,697

Property taxes (est.): $704

Insurance (est.): $353

Estimated Total Monthly

$3,754

*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$2,697

Property taxesest. at asking price, St. Johns County$704

HOAbilled annually$11

Estimated total, before insurance$3,412/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,945/yr · $412/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$385,379	$153,680	—
2024	$401,759	$148,641	—
2023	$405,227	$142,855	—
2022	$377,716	$137,238	—
2021	$254,085	$131,784	—
2020	$241,039	$129,274	—

2025 property taxes (current owner): $4,945/yr

Estimated taxes if purchased at asking price: ~$8,400/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 (2025), NEFMLS.

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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,714 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

Price & status history

Jul 24, 2026Listed$529,000

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

Features

Price$529,000

Price / Sq Ft$177

Bedrooms5

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,986

Acres0.21 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryWards Creek

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address1225 Splendid Ravine Street, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionWgv Heritage Landing

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size9,147.6 sq ft

Parcel Number2881030410

ZoningSingle Family

Amenities

AmenitiesBasketball Court, Clubhouse, Fitness Center, Jogging Path, Playground, RV/Boat Storage, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Central Vacuum, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Water Heater, Gas Cooktop, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)