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 St. Augustine — a waterfront home in St. Johns County.

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Active

Active·2 days on market

188 Plata Court

St. Augustine, FL 32086

$523,990$244/sqftEst. $2,691/moMLS# 2160762

Beds

Baths

2,148

Sq Ft

2026

Built

Garage

Pool

About this home

St. Augustine

This beautiful home features 3 bedrooms, 2 bath, den and a 3 car garage! Inside, discover an open floor plan with volume ceilings and a spacious great room. The kitchen boasts Woodmont® cabinets, island and Whirlpool® stainless steel appliances. Relax in the primary suite, which features a large walk-in closet and a connecting bath that offers quartz countertops, and dual-sink vanity. Enjoy your evenings on your covered patio. Other highlights include dedicated laundry room, walk-in closets at guest rooms, ENERGY STAR® certified lighting, Moen® faucets and Kohler® sinks. Enjoy the outdoors on the covered back patio. KB Home Sabal Estates at St. Augustine Shores community includes a swimming pool, tennis courts, bike path, fishing dock, NO CDD FEES and more! Ask us about our Closing Cost Contribution on this home.

Cost to own

Mortgage calculator

Home Price

$523,990

Down Payment: 20%

$104,798

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,691

Principal & Interest: $2,691

Property taxes (est.): $697

Insurance (est.): $349

Estimated Total Monthly

$3,738

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,691

Property taxesest. at asking price, St. Johns County$697

HOAbilled monthly$33

Estimated total, before insurance$3,421/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.

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 2026)

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As 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