This home is in St. Augustine — a gated community home in St. Johns County.
Active·1 day on market
5204 Drury Lane
St. Augustine, FL 32084
About this home
St. Augustine
Welcome to this beautifully updated, first-floor condominium with private garage, where an open layout and wide-plank White Oak hardwood floors create a warm, inviting atmosphere. The spacious living and dining areas flow naturally into the bright kitchen, featuring crisp white cabinetry, stainless-steel appliances, generous counter space, and a peninsula with seating--perfect for casual meals and entertaining. Offering three bedrooms and two full baths, the flexible floor plan is shown as two comfortable bedrooms plus a home office, making it easy to adapt the space to your lifestyle. , The expansive primary suite is a peaceful retreat, complete with distinctive architectural detailing, a walk-in closet and abundant natural light.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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): $2,300/yr
Estimated taxes if purchased at asking price: ~$5,100/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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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: material not specified — year not disclosed (home built 2004)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer · utiity sewer proximity · Public water · utiity water proximity
County records indicate this parcel on central sewer served by utiity sewer proximity — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,792 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 homeAs 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 14, 2026Active$319,900
- Aug 8, 2026Listed$319,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Vista Cove
Active$299,000MLS# 2144485Est. $1,591/mo1529 Vista Cove Road, St. Augustine, FL 320843 Beds2 Baths1,448 sqftExperience peaceful waterfront living in the heart of St. Augustine at Vista Cove -- a beautifully designed 67-acre…
ResidentialBERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Active$289,900MLS# 2110706Est. $1,543/mo2521 Vista Cove Road, St. Augustine, FL 320843 Beds2 Baths1,448 sqftCharming Second-Floor Corner Condo with no one above you. With updated HVAC, water heater, appliances and more. Nestled…
ResidentialREAL BROKER LLC
Active$359,500MLS# 2141612Est. $1,913/mo3327 Haley Point Road, St. Augustine, FL 320843 Beds2 Baths1,485 sqftWelcome home to this impeccably maintained condo in the gated community of Vista Cove. Start your mornings with coffee…
ResidentialTHE NEWCOMER GROUP
Pending$279,900MLS# 2153531Est. $1,490/mo2806 Vista Cove Road, St. Augustine, FL 320842 Beds2 Baths1,393 sqftWelcome to easy, low-maintenance living in the sought-after gated community of Vista Cove! This beautifully maintained…
ResidentialKELLER WILLIAMS REALTY ATLANTIC PARTNERS
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 home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
Open Houses
8/16/2026
1:00 pm - 3:00 pm