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·1 day on market

1085 Santa Cruz Street

St. Augustine, FL 32092

$539,900$263/sqftEst. $2,773/moMLS# 2161115

Beds

Baths

2,055

Sq Ft

2007

Built

Garage

Pool

About this home

St. Augustine

Welcome to this beautifully updated home with the longest lakefront views in Sevilla at World Golf Village, situated perfectly in a quiet cul-de-sac, offering 4 bedrooms plus an office/flex space, 2 bathrooms, a 3-car garage and an oversized .29-acre fenced lot. Enjoy expansive lake views with gorgeous sunsets from the 20 foot screened patio, perfect for relaxing and entertaining. Inside, a floor-to-ceiling stacked-stone fireplace creates a striking focal point, complemented by updated bathrooms, flooring, paint and lighting, custom blinds, and thoughtful storage upgrades. Recent improvements include interior/exterior paint, landscaping, flooring, water heater, window screens, and more. Sevilla amenities include community pool, clubhouse, splash park, putting green and playground. Conveniently located near I-95, shopping, dining, historic St. Augustine, beaches and top rated St. Johns County K-8 school. This move-in ready lakefront residence is a perfect location to call home.

Cost to own

Mortgage calculator

Home Price

$539,900

Down Payment: 20%

$107,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,773

Principal & Interest: $2,773

Property taxes (est.): $718

Insurance (est.): $360

Estimated Total Monthly

$3,851

*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$2,773

Property taxesest. at asking price, St. Johns County$718

HOAbilled annually$40

Estimated total, before insurance$3,531/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,986/yr · $499/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): $5,986/yr

Estimated taxes if purchased at asking price: ~$8,600/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2007)

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

Solar potential: ~1,797 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$539,900

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

Features

Price$539,900

Price / Sq Ft$263

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,055

Year Built2007

TypeResidential

Sub-TypeSingle Family Residence

StyleFlat, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Direction FacesSouth

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address1085 Santa Cruz Street, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionSevilla

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number0283323460

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Pickleball, Playground

UtilitiesElectricity Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewLake, Water

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

SecuritySmoke Detector(s)