148 Sweet Oak Way

St. Augustine, FL 32095

$439,000$257/sqftEst. $2,259/moMLS# 2160115

Beds

Baths

1,710

Sq Ft

2019

Built

Garage

Pool

About this home

St. Augustine

Nestled in the highly sought-after Creekside at Twin Creeks community this home offers the perfect blend of comfort and convenience. Featuring 3 bedrooms, 2.5 bathrooms and an open floorplan, this home is ideal for entertaining. The gourmet kitchen features quartz countertops, stainless steel appliances and walk-in pantry. The home boasts wood-look tile and LVP throughout - no carpet! The backyard boasts a screened lanai and fully fenced yard. Located just a few streets from the new K-8 Lakeside Academy. Creekside at Twin Creeks has exceptional community amenities, including a resort-style pool, parks and scenic walking trails! This community is centrally located with easy access to the I-95, downtown Jacksonville and the Beaches.

Cost to own

Mortgage calculator

Home Price

$439,000

Down Payment: 20%

$87,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,259

Principal & Interest: $2,259

Property taxes (est.): $584

Insurance (est.): $293

Estimated Total Monthly

$3,136

*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$2,259

Property taxesest. at asking price, St. Johns County$584

HOAbilled quarterly$102

Estimated total, before insurance$2,945/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.

History