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 WGV King Andbear, St. Augustine — a gated community home in St. Johns County.

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Active

Active·1 day on market·WGV King Andbear

5012 Clayton Court

St. Augustine, FL 32092

$549,900$247/sqftEst. $2,824/moMLS# 2161009

Beds

Baths

2,225

Sq Ft

2007

Built

Garage

Pool

About this home

WGV King Andbear

Welcome to King & Bear in World Golf Village, one of St. Johns County's most desirable established communities, where golf, resort-style amenities, security, and a true neighborhood feel come together--with NO CDD fee! This beautifully maintained fully fenced home offers a courtyard entrance, 3 bedrooms plus an office, separate dining room, breakfast nook, and a spacious 3-car garage. The home features wood and tile flooring throughout, plantation shutters, a gas fireplace, gas range, Rinnai tankless gas water heater, and a whole-home water filtration/softener system. Major updates include a 2018 roof, 2017 AC, and new irrigation well pump. Step outside and enjoy your own private retreat. The large screened-in porch overlooks a tree-lined backyard, while the paver patio features a summer kitchen with a gas-piped grill and granite countertops, plus a separate paver fire pit--perfect for entertaining or relaxing.

Cost to own

Mortgage calculator

Home Price

$549,900

Down Payment: 20%

$109,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,824

Principal & Interest: $2,824

Property taxes (est.): $732

Insurance (est.): $367

Estimated Total Monthly

$3,922

*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$2,824

Property taxesest. at asking price, St. Johns County$732

HOAbilled quarterly$217

Estimated total, before insurance$3,773/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,157/yr · $513/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

2025 property taxes (current owner): $6,157/yr

Estimated taxes if purchased at asking price: ~$8,800/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, 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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2018 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,786 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

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

Price & status history

Aug 20, 2026Listed$549,900

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

Features

Price$549,900

Price / Sq Ft$247

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,225

Acres0.26 acres

Year Built2007

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address5012 Clayton Court, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionWgv King Andbear

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size11,325.6 sq ft

Parcel Number2881071100

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Golf Course, Park, Pickleball, Playground, Security, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage