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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Sandy Creek, St. Augustine — a home near Beachside High School.

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Active Under Contract

Active Under Contract·51 days on market·Sandy Creek

194 Linda Lake Lane

St. Augustine, FL 32095

$549,997$222/sqftEst. $3,022/mo mortgageMLS# 2158064
↓ $9,978 below original list
4
Beds
3
Baths
2,472
Sq Ft
2012
Built
2
Garage
Yes
Pool

4 more homes for sale in Sandy Creek →Search Sandy Creek on the map

FEMA Zone XHOA $72/mo8,712 sqft lotSingle Family Residence2 stories

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About this home

Sandy Creek

Welcome to this beautifully maintained 4-bedroom, 3-bath home with a dedicated office space, where an inviting in-ground saltwater pool with screened enclosure, along with a separate jacuzzi, is perfect for outdoor enjoyment. Pool fence is included for added safety. Enjoy the private fenced backyard, a spacious second-floor bonus room with full bath as the fourth bedroom, and a cozy electric fireplace in the living room. The kitchen is spacious with 42'' cabinets and granite countertops, perfect for preparing delicious meals and entertaining. Updates include a new roof, HVAC replaced in November 2019, and hurricane shutters on every window for peace of mind.

Next steps in Sandy Creek

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$3,022
Property taxesest. at asking price, St. Johns County$732
HOAbilled annually$72
Estimated total, before insurance$3,826/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,667/yr · $306/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$549,997
$109,999
Loan Term
Monthly Payment
$3,022
Principal & Interest: $3,022
Property taxes (est.): $732
Insurance (est.): $367
Estimated Total Monthly
$4,121
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

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: Shingle — year not disclosed (home built 2012)

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

Sewer · JEA_Premises point dataset with CCB_DESCR like sewer · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA_Premises point dataset with CCB_DESCR like sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,787 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 September 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,667/yr

Estimated taxes if purchased at asking price: ~$8,800/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.

History

Price & status history

  • Oct 4, 2026Active Under Contract$549,997
  • Sep 21, 2026Price change$549,997−$9,978
  • Sep 1, 2026Active$559,975
  • Jul 30, 2026Listed$559,975

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $222/sq ft; this home is listed at $222/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
211 Jennie Lake Court, St. Augustine, FL 32095Listed by MOXII PRO REALTYJul 2026$445,000$2073/22,151190.5
951 Churchhill Lane, St. Augustine, FL 32092Listed by HOUSE & HAVENJul 2026$425,000$2224/21,914560.6
756 New Wales Lane, St. Augustine, FL 32092Listed by WATSON REALTY CORPSep 2026$565,000$2265/22,499300.8
741 New Wales Lane, St. Augustine, FL 32092Listed by AIM REALTY OF JACKSONVILLEJul 2026$395,000$2273/21,741790.8
308 Diana Court, St. Augustine, FL 32092Listed by JPAR CITY AND BEACHAug 2026$430,250$2164/21,995981
424 Queen Anne Court, St. Augustine, FL 32092Listed by WATSON REALTY CORPAug 2026$440,000$1934/32,276811

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$549,997
Price / Sq Ft$222
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,472
Acres0.20 acres
Year Built2012
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive Under Contract
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Salt Water
Is WaterfrontNo

School Information

Zoned elementaryLakeside Academy
Zoned middleLakeside Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryLakeside Academy
Reported middleLakeside Academy
Reported highBeachside
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address194 Linda Lake Lane, St. Augustine, FL 32095
Area304- 210 South
SubdivisionSandy Creek
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Lot Size8,712 sq ft
Parcel Number0264830760

Amenities

AmenitiesDog Park, Playground
Community FeaturesSidewalks
UtilitiesElectricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesStorm Shutters
Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchScreened
FencingFenced, Back Yard, Vinyl
RoofShingle
ConstructionFrame, Stucco

Additional Information

Date ListedSeptember 1, 2026
Days on Market33
HOA Fees$861 / Annually
HOA FrequencyAnnually
HOA NameNew Boundaries Properties, LLC
Tax Amount$3,667.35
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOXII PRO REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Sandy Creek

Sandy Creek is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.

View all Sandy Creek homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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