This home is in St. Augustine.

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Active·1 day on market

1015 Golden Lake Loop

St. Augustine, FL 32084

$227,500$200/sqftEst. $1,160/moMLS# 2157063

Beds

Baths

1,139

Sq Ft

2015

Built

Garage

Pool

About this home

St. Augustine

Welcome to this stunning 3-bedroom, 2-bathroom ground-floor condo in the desirable Sebastian Cove community! Featuring soaring 10-foot ceilings and a seamless blend of LVP and tile flooring throughout, this home offers both style and comfort. The spacious layout includes an updated kitchen with modern appliances, a large dedicated laundry room, and a private patio complete with an outdoor storage closet. Enjoy peace of mind with a brand-new 2025 HVAC system, plus the convenience of a 1-car garage. Sebastian Cove provides fantastic neighborhood amenities, including a sparkling community pool and an exercise area, all while maintaining low HOA fees. Perfectly situated just minutes from downtown St. Augustine, you will love being close to historic shops, local restaurants, and beautiful area beaches!

Cost to own

Mortgage calculator

Home Price

$227,500

Down Payment: 20%

$45,500

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,160

Principal & Interest: $1,160

Property taxes (est.): $303

Insurance (est.): $152

Estimated Total Monthly

$1,614

*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$1,160

Property taxesest. at asking price, St. Johns County$303

HOAbilled monthly$299

Estimated total, before insurance$1,762/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.

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: material not specified — year not disclosed (home built 2015)

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

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,797 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