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Active

Active·8 days on market

27 Blue Cypress Trail

St. Augustine, FL 32084

$399,995$197/sqftEst. $2,058/moMLS# 2158632

Beds

Baths

2,027

Sq Ft

2024

Built

Garage

Pool

About this home

St. Augustine

Welcome to 27 Blue Cypress located in St. Augustine Lakes - a hidden gem within 10 minutes of downtown St. Augustine. This 4 bedroom, 3 bathroom home features TWO primary suites. Built by Lennar Homes in 2024 this Trevi floorplan offers wood-look tile flooring throughout the open concept living areas with carpet in all 4 bedrooms. As you enter the foyer from the paver driveway/walkway you'll be greeted with two bedrooms at the front of the home split by a full bathroom. The laundry room is just off the 2 car garage adjacent to the second primary suite. The focal point of the home is the kitchen which boasts stainless steel appliances, white shaker cabinets, quartz countertops, eat-in island, and a walk-in pantry. Just off the large dining and living room is a triple sliding glass door that opens to the screened in and paver porch overlooking the backyard and wooded tree line. Walking distance to the community pool/playground as well as sidewalks throughout the entire community.

Cost to own

Mortgage calculator

Home Price

$399,995

Down Payment: 20%

$79,999

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,058

Principal & Interest: $2,058

Property taxes (est.): $532

Insurance (est.): $267

Estimated Total Monthly

$2,857

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,058

Property taxesest. at asking price, St. Johns County$532

HOAbilled quarterly$63

Estimated total, before insurance$2,653/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,045/yr · $587/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): $7,045/yr

Estimated taxes if purchased at asking price: ~$6,400/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2024)

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

Solar potential: ~1,261 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Price & status history

Aug 5, 2026Listed$399,995

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

Features

Price$399,995

Price / Sq Ft$197

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,027

Acres0.21 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address27 Blue Cypress Trail, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionSt Augustine Lakes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size9,147.6 sq ft

Parcel Number0954162560

Amenities

AmenitiesPool, Playground

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne