This home is in Belle Haven, St. Augustine — a waterfront home in St. Johns County.
Active·69 days on market·Belle Haven
109 Laurel Wood Way 103
St. Augustine, FL 32086
3 more homes for sale in Belle Haven →Search Belle Haven on the map
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About this home
Belle Haven
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!
Next steps in Belle Haven
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Mary Street ramp and Gloria Ave lot18 min drive · 50 parking spaces
Closest park or preserve
Treaty Park7 min drive · 1.9 mi of trails
Closest public boat ramp
Moultrie Creek Boat Rampabout 2 mi · Moutrie Creek
Closest kayak & paddleboard launch
Vail Point Park – Paddlecraft Dockabout 2 mi · Moultrie Creek
Closest youth league fields
Gamble Rogers School Fields10 min drive · Soccer
Closest grocery store
Publix3 min drive · 4255 Us 1 S, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
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: ~$4,200/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
Price & status history
- Oct 9, 2026Price change$259,900−$15,000
- Aug 14, 2026Listed$274,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $173/sq ft; this home is listed at $204/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 117 Laurel Wood Way 208, St. Augustine, FL 32086Listed by EXP REALTY LLC | May 2026 | $238,000 | $173 | 3/2 | 1,376 | 31 | 0.1 |
| 101 Laurel Wood Way Way 203, St. Augustine, FL 32086Listed by WATSON REALTY CORP | Dec 2025 | $255,000 | $200 | 2/2 | 1,272 | 9 | 0.1 |
| 55 Amistad Drive, St. Augustine, FL 32086Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $267,000 | $162 | 3/2.5 | 1,646 | 7 | 0.4 |
| 18 Amistad Drive, St. Augustine, FL 32086Listed by DJ & LINDSEY REAL ESTATE | Oct 2025 | $257,000 | $171 | 2/2 | 1,505 | 119 | 0.5 |
| 600 Domenico Circle G7, St. Augustine, FL 32086Listed by REAL BROKER LLC | Oct 2026 | $175,000 | $169 | 2/1 | 1,036 | 244 | 0.9 |
| 1401 Carnoustie Court, St. Augustine, FL 32086Listed by BARBARA B JENNESS PA | Jun 2026 | $245,000 | $180 | 3/2 | 1,359 | 133 | 0.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CENTURY 21 BECKHAM REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Belle Haven
Belle Haven is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.
View all Belle Haven homes for sale →Keep looking
More homes in Belle Haven
For Sale112 Laurel Wood Way 205St. Augustine, FL 32086
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$265,000Est. $1,410/moFreshly painted and move-in ready, this second-floor condominium in the gated community of Belle Haven offers a simple,…
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For Sale109 Laurel Wood Way 105St. Augustine, FL 32086
2 bd · 2 ba · 1,272 sq ft
$235,000Est. $1,251/moWelcome to Belle Haven! This well-maintained 2-bedroom, 2-bathroom ground-floor condo offers comfortable,…
Listing Office: keller williams realty atlantic partners st. augustine
For Sale113 Laurel Wood Way 207St. Augustine, FL 32086
3 bd · 2 ba · 1,376 sq ft
$299,000Est. $1,591/moTucked inside the peaceful community of Belle Haven, this condo in St. Augustine just feels easy the moment you walk…
Listing Office: momentum realty
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Krista Fracke
Broker Associate
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