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 Landing at Olde Florida, St. Augustine — a new construction home in St. Johns County.

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Active

Active·3 days on market·Landing at Olde Florida

95 Cypress Bluff Way

St. Augustine, FL 32084

$499,900$217/sqftEst. $2,573/moMLS# 2159480

Beds

Baths

2,305

Sq Ft

2026

Built

Garage

Pool

About this home

Landing at Olde Florida

Welcome to the Crane II, a beautifully designed new construction home offering stylish, single-level living. This thoughtfully crafted floor plan features 4 bedrooms, 3 full baths, a private home office, and a 2-car garage, delivering the perfect blend of comfort and functionality. The open-concept design showcases a spacious family room that seamlessly connects to the dining area and gourmet kitchen, complete with a large center island and walk-in pantry. The private owner's suite offers a relaxing retreat with a luxurious bath, oversized walk-in closet, and designer finishes. Three additional bedrooms provide flexibility for family, guests, or hobbies, while the dedicated home office is ideal for remote work. Enjoy indoor-outdoor living with a lanai perfect for entertaining or relaxing year-round.

Cost to own

Mortgage calculator

Home Price

$499,900

Down Payment: 20%

$99,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,573

Principal & Interest: $2,573

Property taxes (est.): $665

Insurance (est.): $333

Estimated Total Monthly

$3,571

*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$2,573

Property taxesest. at asking price, St. Johns County$665

HOAbilled quarterly$158

Estimated total, before insurance$3,396/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,029/yr · $169/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): $2,029/yr

Estimated taxes if purchased at asking price: ~$8,000/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: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,469 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