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 home near St. Augustine High School.

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Active

Active·1 day on market·Windward Ranch

20 Tintamarre Drive

St. Augustine, FL 32092

$465,000$219/sqftEst. $2,393/moMLS# 2159749

Beds

Baths

2,126

Sq Ft

2020

Built

Garage

Pool

About this home

Windward Ranch

Welcome to 20 Tintamarre Drive, a meticulously maintained and beautifully upgraded single-story Lennar home situated on a spacious corner homesite in the gated community of Windward Ranch. Built in 2020, this thoughtfully designed home offers 2,126 square feet with three bedrooms, two bathrooms, a versatile flex room with upgraded French doors, and an attached two-car garage. The open-concept layout connects the kitchen, dining area, and main living space, while the split-bedroom design provides added privacy. Interior upgrades include crown molding, pendant lighting, a stone backsplash, pullout cabinet shelving, custom paint and mirrors in both bathrooms, and durable flooring throughout with no carpet. The remodeled primary bathroom features an oversized walk-in shower with dual showerheads and built-in seating. Additional features include a newer Bosch dishwasher, gas range, gas tankless water heater, owned water softener, insulated windows, wood attic stairs, garage ceiling storage

Cost to own

Mortgage calculator

Home Price

$465,000

Down Payment: 20%

$93,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,393

Principal & Interest: $2,393

Property taxes (est.): $619

Insurance (est.): $310

Estimated Total Monthly

$3,322

*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$2,393

Property taxesest. at asking price, St. Johns County$619

HOAbilled quarterly$83

Estimated total, before insurance$3,094/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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $334/yr

Estimated taxes if purchased at asking price: ~$7,400/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.

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: Shingle — year not disclosed (home built 2020)

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

Solar potential: ~1,776 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 12, 2026Listed$465,000

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

Features

Price$465,000

Price / Sq Ft$219

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,126

Total Structure Area2,748 sq ft

Acres0.20 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighSt. Augustine

Community Information

Address20 Tintamarre Drive, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionWindward Ranch

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,712 sq ft

Parcel Number0274424420

ZoningPUD

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Off Street

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryGas Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)