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 Samara Lakes, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·Listed today·Samara Lakes

1160 Nochaway Drive

St. Augustine, FL 32092

$419,990$187/sqftEst. $2,161/moMLS# 2160100

Beds

Baths

2,251

Sq Ft

2006

Built

Garage

Pool

About this home

Samara Lakes

Peaceful pond views and a beautiful mature oak create a special setting from the moment you arrive. Hedges offer added privacy as you relax on the front porch and take in the view. Inside, fresh paint and luxury vinyl plank flooring flow throughout the main living areas and one bedroom, complemented by Corian countertops and a new refrigerator in the kitchen, plus a spacious primary suite with a built-in closet system. Out back, the fully fenced yard overlooks a gorgeous wooded landscape and features a stunning pavered patio with a built-in fire pit - the perfect place to unwind, entertain and enjoy Florida evenings. A seven-year-old roof, water softener, included washer and dryer, and NO CDD fees add even more to this move-in-ready Samara Lakes home. Enjoy community amenities including a pool, fitness center, clubhouse, basketball court, soccer field and multiple playgrounds.

Cost to own

Mortgage calculator

Home Price

$419,990

Down Payment: 20%

$83,998

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,161

Principal & Interest: $2,161

Property taxes (est.): $559

Insurance (est.): $280

Estimated Total Monthly

$3,000

*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$2,161

Property taxesest. at asking price, St. Johns County$559

HOAbilled monthly$71

Estimated total, before insurance$2,791/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,921/yr · $243/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	$337,022	$180,103	—
2024	$355,645	$174,320	—
2023	$362,295	$167,786	—
2022	$332,414	$161,443	—
2021	$230,234	$155,284	—
2020	$215,940	$152,450	—

2025 property taxes (current owner): $2,921/yr

Estimated taxes if purchased at asking price: ~$6,700/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2006)

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

Solar potential: ~1,744 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

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, 2026Listed$419,990

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

Features

Price$419,990

Price / Sq Ft$187

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,251

Acres0.17 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address1160 Nochaway Drive, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionSamara Lakes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,405.2 sq ft

Parcel Number0275012020

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Maintenance Grounds, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond, Protected Preserve

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit, Lower Level

SecuritySmoke Detector(s)