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

1 / 46

Active

Active·Listed today·Royal St Augustine

2028 W Lymington Way

St. Augustine, FL 32084

$355,000$208/sqftEst. $1,827/moMLS# 2159880

Beds

Baths

1,708

Sq Ft

2003

Built

Garage

Pool

About this home

Royal St Augustine

Royal St. Augustine 4-Bedroom Home Backing to a Nature Preserve Wake up to birdsong instead of neighbors. This 4-bedroom, 2-bath home in Royal St. Augustine sits beside a protected nature preserve, giving you a rare buffer of privacy that most St. Augustine homes simply can't offer. Step inside to vaulted ceilings, rich wood floors, and a gas fireplace anchoring an open great room built for both quiet evenings and easy entertaining. The eat-in kitchen, with granite countertops, tile backsplash, and room to gather, flows right into the main living space, keeping the whole home connected. What makes this property stand out: preserve-side privacy, oversized walk-in closets in every bedroom, and a move-in-ready layout minutes from I-95 and St. Augustine Beach. The primary suite features a large walk-in closet, while both secondary bedrooms include their own oversized walk-ins, storage that's hard to find in this price range.

Cost to own

Mortgage calculator

Home Price

$355,000

Down Payment: 20%

$71,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,827

Principal & Interest: $1,827

Property taxes (est.): $472

Insurance (est.): $237

Estimated Total Monthly

$2,536

*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$1,827

Property taxesest. at asking price, St. Johns County$472

HOAbilled quarterly$75

Estimated total, before insurance$2,374/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,893/yr · $158/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

Year	Market value	Taxable value	Change
2025	$309,917	$78,564	—
2024	$302,257	$74,092	—
2023	$307,721	$68,876	—
2022	$284,790	$68,312	—
2021	$213,780	$63,395	—
2020	$191,841	$61,132	—

2025 property taxes (current owner): $1,893/yr

Estimated taxes if purchased at asking price: ~$5,700/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 (2025), NEFMLS.

History