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 WGV Heritage Landing, St. Augustine — a pool home in St. Johns County.

1 / 40

Active Under Contract

Active Under Contract·6 days on market·WGV Heritage Landing

2748 Spinnerbait Court

St. Augustine, FL 32092

$389,990$211/sqftEst. $2,007/moMLS# 2159209

Beds

Baths

1,850

Sq Ft

2005

Built

Garage

Yes

Pool

About this home

WGV Heritage Landing

Step into this well maintained 3 bedroom, 2 bathroom home located in the sought after community of Heritage Hills. Upon entering you'll find a spacious formal dining room with arched windows and a formal living room that can easily serve as a fourth bedroom. The master bath boasts a large luxurious shower, twin vanities and his and her closets. The kitchen is expansive and open with ample cabinetry that includes a versatile coffee/wine bar or hutch, and stainless-steel appliances to complete the modern look. A generous breakfast bar provides space for dining, homework, or casual gatherings. The kitchen flows into the family room with a cozy fireplace and sliding glass door that leads to the outside screened lanai. Beyond is a beautifully kept yard featuring patio pavers and a refreshing above-ground pool. New exterior paint. Up to $2000. lender incentive with preferred lender. See private remarks and documents.

Cost to own

Mortgage calculator

Home Price

$389,990

Down Payment: 20%

$77,998

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,007

Principal & Interest: $2,007

Property taxes (est.): $519

Insurance (est.): $260

Estimated Total Monthly

$2,786

*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$2,007

Property taxesest. at asking price, St. Johns County$519

HOAbilled annually$11

Estimated total, before insurance$2,537/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,914/yr · $493/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): $5,914/yr

Estimated taxes if purchased at asking price: ~$6,200/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2005)

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

Price & status history

Aug 9, 2026Active Under Contract$389,990
Aug 7, 2026Listed$389,990

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

Features

Price$389,990

Price / Sq Ft$211

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,850

Acres0.20 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesAbove Ground

Is WaterfrontNo

School Information

ElementaryWards Creek

Community Information

Address2748 Spinnerbait Court, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionWgv Heritage Landing

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,712 sq ft

Parcel Number2881061900

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Jogging Path

UtilitiesCable Available, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Microwave, Washer, Water Softener Owned

HeatingHeat Pump

CoolingCentral Air

# of Stories1

LevelsOne

SecuritySmoke Detector(s)

Exterior

Lot DescriptionDead End Street

Patio / PorchCovered, Patio, Screened

FencingWood

RoofShingle

ConstructionFrame, Stucco

Road SurfaceAsphalt

Additional Information

Date ListedAugust 8, 2026

Days on Market2

HOA Fees$135 / Annually

HOA FrequencyAnnually

Tax Amount$5,913.58

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

The neighborhood

About WGV Heritage Landing

WGV Heritage Landing is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.

View all WGV Heritage Landing homes for sale →

Listing Courtesy of: WATSON REALTY CORP

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Keep looking

More homes in WGV Heritage Landing

View all WGV Heritage Landing homes →

Keep looking

Similar homes in St. Augustine

Your Local Realtor

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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Contact Krista Fracke