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This home is in St. Augustine Shores.

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Active

Active·15 days on market

101 Laurel Wood Way 104

St. Augustine Shores, FL 32086

$265,000$208/sqftEst. $1,369/moMLS# 2161053

Beds

Baths

1,272

Sq Ft

2006

Built

Garage

Pool

About this home

St. Augustine Shores

Welcome to one of St. Augustine's most pristine and sought-after communities. Belle Haven is Centrally located and convenient to shopping. This ground-floor 2-bedroom 2-bath lakefront unit shows like a model. Bright and open with scenic views across the lake to a preserve. A short stroll to the amenities center and your private garage. Lovingly maintained and ready for its new chapter to be written. Enjoy the carefree lifestyle Belle Haven offers!

Cost to own

Mortgage calculator

Home Price

$265,000

Down Payment: 20%

$53,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,369

Principal & Interest: $1,369

Property taxes (est.): $353

Insurance (est.): $177

Estimated Total Monthly

$1,899

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$1,369

Property taxesest. at asking price, St. Johns County$353

HOAbilled monthly$511

Estimated total, before insurance$2,233/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: material not specified — 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: ~1,785 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$265,000

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

Features

Price$265,000

Price / Sq Ft$208

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,272

Year Built2006

TypeResidential

Sub-TypeCondominium

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Community Information

Address101 Laurel Wood Way 104, St. Augustine Shores, FL 32086

Area334-Moultrie/St Augustine Shores

SubdivisionBelle Haven

CitySt. Augustine Shores

CountySt. Johns

StateFL

Zip Code32086

Parcel Number1817660114

Amenities

UtilitiesCable Available

Water SourcePublic

ParkingAdditional Parking

Interior

AppliancesElectric Oven

HeatingCentral

CoolingAttic Fan

# of Stories1

Additional Information

Date ListedAugust 20, 2026

Days on Market68

HOA Fees$511 / Monthly

HOA FrequencyMonthly

Listing TermsCash

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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