Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Windward Ranch, St. Augustine — a gated community home in St. Johns County.

No photos available

This listing has no photos yet

No photos available

This listing has no photos yet

Active

Active·Listed today·Windward Ranch

471 Saint Kitts Loop

St. Augustine, FL 32092

$649,000$205/sqftEst. $3,347/moMLS# 2159116

Beds

Baths

3,165

Sq Ft

2016

Built

Garage

Pool

About this home

Windward Ranch

Welcome to this exceptional 4-bedroom, 4-bathroom home with a dedicated office and private in-law suite, located in the highly desirable gated community of Windward Ranch in St. Augustine! Built in 2016, this thoughtfully designed home offers a split floor plan that provides both privacy and functionality, making it ideal for multi-generational living or hosting extended guests. From the moment you step inside, you'll appreciate the elegant finishes, including crown molding throughout the main living areas and primary suite, plantation shutters, and tile flooring throughout the home except in the bedrooms. The gourmet kitchen is designed to impress with granite countertops, 42-inch cabinetry, stainless steel appliances, a gas cooktop, double ovens, a center island, and pantry--perfect for everyday living and entertaining alike.

Cost to own

Mortgage calculator

Home Price

$649,000

Down Payment: 20%

$129,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,347

Principal & Interest: $3,347

Property taxes (est.): $864

Insurance (est.): $433

Estimated Total Monthly

$4,643

*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$3,347

Property taxesest. at asking price, St. Johns County$864

HOAbilled quarterly$83

Estimated total, before insurance$4,293/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,433/yr · $369/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): $4,433/yr

Estimated taxes if purchased at asking price: ~$10,400/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2016)

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

Solar potential: ~1,685 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

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 7, 2026Listed$649,000

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

Features

Price$649,000

Price / Sq Ft$205

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage3,165

Acres0.20 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighSt. Augustine

Community Information

Address471 Saint Kitts Loop, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionWindward Ranch

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,712 sq ft

Lot Dimensions73x120x73x120

Parcel Number0274420360

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Pickleball, Playground, Security, Tennis Court(s)

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecurityGated with Guard