This home is in St. Augustine.

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Active

Active·1 day on market

101 Laurel Wood Way 204

St. Augustine, FL 32086

$285,000Est. $1,453/moMLS# 2157352

Beds

Baths

Sq Ft

2006

Built

Garage

Pool

About this home

St. Augustine

Former model! This updated second-floor unit offers convenient ELEVATOR ACCESS and a ONE CAR GARAGE in the sought-after Belle Haven community. Meticulously cared for, this 2BR/2BA showcases designer touches throughout, including engineered wood plank flooring in the living room and primary suite, vaulted ceilings, board and batten accents, and custom paint. The kitchen features Corian counters and stainless appliances. Enjoy serene water views from the screened lanai. Belle Haven offers gated access from 7am to 7pm, a picturesque lakeside pool, gym, and clubhouse, all beautifully maintained. New AC in 2021 with dehumidifier. Washer and dryer included. HOA covers water, trash, and basic cable. Close to shopping, dining, and more, this move-in ready unit is a must-see for easy St. Augustine living.

Cost to own

Mortgage calculator

Home Price

$285,000

Down Payment: 20%

$57,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,453

Principal & Interest: $1,453

Property taxes (est.): $379

Insurance (est.): $190

Estimated Total Monthly

$2,022

*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$1,453

Property taxesest. at asking price, St. Johns County$379

HOAbilled monthly$620

Estimated total, before insurance$2,452/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,151/yr · $263/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): $3,151/yr

Estimated taxes if purchased at asking price: ~$4,600/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.

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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — year not disclosed (home built 2006)

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

Sewer & public water · St Johns County Utilities

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

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

Solar potential: ~1,785 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 28, 2026Listed$285,000

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

Features

Price$285,000

Bedrooms2

Bathrooms2.00

Full Baths2

Year Built2006

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryW. D. Hartley

MiddleGamble Rogers

HighPedro Menendez

Community Information

Address101 Laurel Wood Way 204, St. Augustine, FL 32086

Area334-Moultrie/St Augustine Shores

SubdivisionBelle Haven

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Parcel Number1817660124

ZoningPUD

Amenities

AmenitiesPool, Barbecue, Cable TV, Car Wash Area, Clubhouse, Elevator(s), Fitness Center, Gated, Maintenance Grounds, Management - Off Site, Trash, Water

UtilitiesCable Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener, Guest

ViewWater

Waterfront TypeLake Front