Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in WGV King Andbear, St. Augustine — a gated community home in St. Johns County.

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Active

Active·Listed today·WGV King Andbear

3317 E Heritage Cove Drive

St. Augustine, FL 32092

$1,200,000$353/sqftEst. $6,118/moMLS# 2157262

Beds

Baths

3,396

Sq Ft

2013

Built

Garage

Pool

About this home

WGV King Andbear

Heritage Cove, one of The King & Bear's most private and exclusive enclaves, provides the setting for 3317 East Heritage Cove Drive -- a distinguished custom residence where architecture, craftsmanship, and thoughtful design exist in remarkable balance. Occupying nearly half an acre along the championship golf course, the approach is one of quiet distinction. Mature landscaping, a sweeping paver drive, and an elegant side-entry three-car garage preserve the home's architectural integrity, allowing its timeless façade to take precedence while reinforcing the privacy and exclusivity of this exceptional address. From the moment of arrival, it is evident this is a home where quality was never an upgrade -- it was the starting point. Handcrafted knotty alder millwork, artisan troweled walls, extensive crown molding, solid-core doors, rich hardwood flooring, custom stonework, and carefully curated fixtures create an atmosphere that feels warm, authentic, and unmistakably bespoke. Every

Cost to own

Mortgage calculator

Home Price

$1,200,000

Down Payment: 20%

$240,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$6,118

Principal & Interest: $6,118

Property taxes (est.): $1,597

Insurance (est.): $800

Estimated Total Monthly

$8,515

*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$6,118

Property taxesest. at asking price, St. Johns County$1,597

HOAbilled quarterly$217

Estimated total, before insurance$7,932/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,831/yr · $819/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): $9,831/yr

Estimated taxes if purchased at asking price: ~$19,200/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 2013)

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

Solar potential: ~1,677 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

Aug 4, 2026Active$1,200,000
Jul 27, 2026Listed$1,200,000

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

Features

Price$1,200,000

Price / Sq Ft$353

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,396

Acres0.40 acres

Year Built2013

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesSouth

Community Information

Address3317 E Heritage Cove Drive, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionWgv King Andbear

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size17,424 sq ft

Parcel Number2880150020

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Pickleball, Playground

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewGolf Course

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar, Wine Cellar

AppliancesDishwasher, Disposal, Double Oven, Electric Oven, Gas Cooktop, Gas Water Heater, Ice Maker, Instant Hot Water, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Stone, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecurityGated with Guard, Security System Owned, Smoke Detector(s)