This home is in WGV Residences Condo, St. Augustine.

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Active

Active·Listed today·WGV Residences Condo

145 N Champions Way 114

St. Augustine, FL 32092

$439,000$181/sqftEst. $2,238/moMLS# 2157149

Beds

Baths

2,422

Sq Ft

1998

Built

Garage

Pool

About this home

WGV Residences Condo

Professional Photos coming soon. Priced to sell! This 4-bedroom, 4-bath condo, each bedroom featuring an ensuite, is located in a golf community that boasts the world-famous Slammer & Squire Golf Club. The King & Bear Golf Club is a five-minute ride away. This is an attractive investment, with a gas fireplace, or update it and make it your own. This corner unit has an open floor plan and vaulted ceilings with abundant natural light. A large screened-in lanai with two sliding glass doors is located off the family room and is great for additional entertaining space. Newer dishwasher and refrigerator. All bedrooms have ensuites and can easily accommodate a king-size bed. One car garage with additional parking across the street. Close to the amenity center with heated pool, and spa, and nature walk.

Cost to own

Mortgage calculator

Home Price

$439,000

Down Payment: 20%

$87,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,238

Principal & Interest: $2,238

Property taxes (est.): $584

Insurance (est.): $293

Estimated Total Monthly

$3,115

*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$2,238

Property taxesest. at asking price, St. Johns County$584

HOAbilled monthly$770

Estimated total, before insurance$3,592/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,438/yr · $287/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

2025 property taxes (current owner): $3,438/yr

Estimated taxes if purchased at asking price: ~$7,000/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 1998)

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

Solar potential: ~1,691 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 29, 2026Active$439,000
Jul 26, 2026Listed$439,000

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

Features

Price$439,000

Price / Sq Ft$181

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage2,422

Total Structure Area2,422 sq ft

Year Built1998

TypeResidential

Sub-TypeCondominium

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address145 N Champions Way 114, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionWgv Residences Condo

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number0279570114

Amenities

AmenitiesPool, Cable TV, Car Wash Area, Clubhouse, Dog Park, Fitness Center, Gated, Spa/Hot Tub, Trash

UtilitiesCable Available, Cable Connected, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener

Interior

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

AppliancesDishwasher, Disposal, Electric Water Heater, Gas Cooktop, Gas Oven, Microwave, Plumbed For Ice Maker, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric, Zoned

FlooringCarpet

# of Stories1

LevelsOne

LaundryIn Unit

SecurityCarbon Monoxide Detector(s), Gated with Guard, Security Gate, Smoke Detector(s)