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 St. Augustine — a gated community home in St. Johns County.

Active

Active·Listed today

77 Timoga Trail

St. Augustine, FL 32084

$409,000Est. $2,109/moMLS# 2159157

Beds

Baths

Sq Ft

2022

Built

Garage

Pool

About this home

St. Augustine

Welcome to effortless Florida living in the highly sought-after Villages of Seloy, a gated 55+ community just minutes from historic downtown St. Augustine, beautiful beaches, shopping, dining, and medical facilities. This beautifully maintained single-level condo offers the perfect blend of comfort, style, and low-maintenance living. Step inside to discover a bright, open-concept floor plan filled with natural light, soaring ceilings, and spacious living areas designed for both everyday living and entertaining. The well-appointed kitchen flows seamlessly into the dining and living spaces, while the split-bedroom layout provides privacy for owners and guests alike. The generous primary suite features a walk-in closet and private bath, creating a peaceful retreat at the end of the day. Relax with your morning coffee or evening glass of wine in the screened lanai while enjoying the peaceful surroundings. An attached two-car garage provides ample storage and convenience, and the HOA takes care of exterior maintenance and lawn care so you can spend more time enjoying life. Residents enjoy resort-style amenities including a clubhouse, fitness center, heated pool, walking paths, and an active social calendar. Villages of Seloy is known for its spacious corner-unit design, single-story floor plans, and maintenance-free lifestyle. Whether you're looking for a full-time residence or the perfect place to enjoy your next chapter, 77 Timoga Trail offers the ideal combination of comfort, convenience, and carefree living in one of St. Augustine's premier active adult communities.

Cost to own

Mortgage calculator

Home Price

$409,000

Down Payment: 20%

$81,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,109

Principal & Interest: $2,109

Property taxes (est.): $544

Insurance (est.): $273

Estimated Total Monthly

$2,926

*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$2,109

Property taxesest. at asking price, St. Johns County$544

HOAbilled monthly$488

Estimated total, before insurance$3,141/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,871/yr · $323/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): $3,871/yr

Estimated taxes if purchased at asking price: ~$6,500/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

Aug 7, 2026Listed$409,000

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

Features

Price$409,000

Bedrooms2

Bathrooms2.00

Full Baths2

Year Built2022

TypeResidential

Sub-TypeCondominium

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address77 Timoga Trail, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionVillages Of Seloy

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Parcel Number1019503053

ZoningCondominium

Amenities

AmenitiesClubhouse, Fitness Center, Maintenance Structure, Park, Security

UtilitiesCable Available, Sewer Connected, Water Connected

Water SourcePublic

ParkingAdditional Parking, Garage

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Guest Suite, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingHeat Pump

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

SecurityCarbon Monoxide Detector(s), Security Gate, Smoke Detector(s)