This home is in St. Augustine — a waterfront home in St. Johns County.
Active·14 days on market
109 Laurel Wood Way 103
St. Augustine, FL 32086
About this home
St. Augustine
LAKEFRONT FIRST FLOOR ONE STORY 2 BEDROOM 2 BATH FULLY FURNISHED CONDO AT BELLE HAVEN! This condo offers a bright and uplifing atmosphere and is ready to move into and enjoy the relaxing lakeviews on the screen porch! Unit 103 features a spacious livingroom & kitchen w/ a pantry and plenty of cabinets. The soothing master suite has a tray ceiling, large wallk-in closet, double vanity sinks, shower stall & water view. All kitchen appliances are included as well as the washer & dryer. Belle Haven is conveniently located to Downtown Historic St Augustine, to the white sandy beaches, restaurants, shopping & hospital! Community is gated with the following included amentities: Pool, Clubhouse & Gym. MUST SEE!
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $220,000 | $117,940 | — |
| 2024 | $225,990 | $113,909 | — |
| 2023 | $225,990 | $109,135 | — |
| 2022 | $177,000 | $104,500 | — |
| 2021 | $150,000 | $100,000 | — |
| 2020 | $141,000 | $141,000 | — |
2025 property taxes (current owner): $1,750/yr
Estimated taxes if purchased at asking price: ~$4,400/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 (2025), 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.
Hurricane evacuation zone C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 2006)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer & public water · St Johns County Utilities
County records show this parcel on central sewer served by St Johns County Utilities — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,793 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, 2026Listed$274,900
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: CENTURY 21 BECKHAM REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines