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This home is in St. Augustine — a home near St. Augustine High School.

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Active

Active·9 days on market

4716 Serena Circle

St. Augustine, FL 32084

$275,000$183/sqftEst. $1,418/moMLS# 2157686

Beds

Baths

1,503

Sq Ft

2004

Built

Garage

Pool

About this home

St. Augustine

Gated Vista Cove end unit, 2 story townhome overlooking pond w/fountain. Nestled along the banks of the San Sebastian River and minutes to downtown St. Augustine. Come enjoy vibrant, resort style living w/2 pools, clubhouses, boat/RV storage, walking paths, conservation areas and a pier overlooking the marsh w/views of historic downtown. First floor has one bedroom and full bath, laundry closet w/washer & dryer included and huge utility/storage closet. Upstairs boasts 2 bedrooms -each w/ensuite full bathrooms. Sunny kitchen has bistro eat-in space, SS appliances, double oven, closet pantry, soft close cabinetry & granite counters. LR/DR combo leads to a large glass sliding door and tiled, screened patio w/ceiling fan & long view of the pond, fountain and rich vegetation. Plantation shutters, newer LV Plank flooring, lots of storage/closet space makes this a perfect choice too enjoy Florida living. Includes detached one car garage w/opener. This community is well managed and thriving!

Cost to own

Mortgage calculator

Home Price

$275,000

Down Payment: 20%

$55,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,418

Principal & Interest: $1,418

Property taxes (est.): $366

Insurance (est.): $183

Estimated Total Monthly

$1,967

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,418

Property taxesest. at asking price, St. Johns County$366

HOAbilled monthly$599

Estimated total, before insurance$2,383/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,219/yr · $185/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): $2,219/yr

Estimated taxes if purchased at asking price: ~$4,400/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, 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 — year not disclosed (home built 2004)

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

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)

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: ~1,830 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 30, 2026Listed$275,000

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

Features

Price$275,000

Price / Sq Ft$183

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage1,503

Year Built2004

TypeResidential

Sub-TypeCondominium

StylePatio Home

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesWest

School Information

ElementaryCrookshank

MiddleSebastian

HighSt. Augustine

Community Information

Address4716 Serena Circle, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionVista Cove

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Parcel Number0941514716

ZoningCondominium

Amenities

AmenitiesPool, Barbecue, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Management - Full Time, RV/Boat Storage, Spa/Hot Tub

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Detached, Garage, Garage Door Opener, On Street

ViewPond, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryLower Level

SecuritySecurity Gate, Smoke Detector(s)

Exterior

Exterior FeaturesDock

Lot DescriptionDead End Street, Wooded

Patio / PorchPatio, Screened

RoofShingle

ConstructionStucco

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedJuly 30, 2026

Days on Market0

HOA Fees$599 / Monthly

HOA FrequencyMonthly

HOA NameTotal Professional Association Management

HOA Fee IncludesInternet, Maintenance Grounds, Pest Control, Security, Trash

Tax Amount$2,218.66

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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