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This home is in WGV Heritage Landing, St. Augustine.

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Active

Active·1 day on market·WGV Heritage Landing

704 Waterlily Way

St. Augustine, FL 32092

$379,000$201/sqftEst. $1,932/moMLS# 2158399

Beds

Baths

1,882

Sq Ft

2006

Built

Garage

Pool

About this home

WGV Heritage Landing

Welcome to 704 Waterlily Way in the highly desirable Heritage Landing community of World Golf Village! This beautifully maintained 3-bedroom, 2.5-bathroom home offers 1,882 sq. ft. of comfortable living space with a functional split floor plan. Features include a courtyard-entry 2-car garage, updated bathrooms, and a screened back porch with motorized retractable screens, perfect for relaxing or entertaining year-round. The home is just a short walk to the community pool and amenity center where residents enjoy resort-style amenities including pools with a waterslide, tennis and pickleball courts, fitness center, clubhouse, playgrounds, sports fields, and walking trails. Conveniently located near top-rated St. Johns County schools, shopping, dining, I-95, and historic downtown St. Augustine, this home offers the perfect blend of comfort, convenience, and community.

Cost to own

Mortgage calculator

Home Price

$379,000

Down Payment: 20%

$75,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,932

Principal & Interest: $1,932

Property taxes (est.): $504

Insurance (est.): $253

Estimated Total Monthly

$2,689

*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$1,932

Property taxesest. at asking price, St. Johns County$504

HOAbilled annually$11

Estimated total, before insurance$2,448/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.

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: 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 · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

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

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

Solar potential: ~1,737 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 August 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