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 Windward Ranch, St. Augustine — a home near St. Augustine High School.

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Active

Active·Listed today·Windward Ranch

44 Cato Court

St. Augustine, FL 32092

$543,000$268/sqftEst. $2,789/moMLS# 2161315

Beds

Baths

2,027

Sq Ft

2016

Built

Garage

Yes

Pool

About this home

Windward Ranch

Some homes just feel easy from the moment you walk through the door, and this beautiful 4-bedroom, 3-bath home in gated Windward Ranch is one of them. Tucked away on a cul-de-sac, it offers 2,027 square feet of thoughtfully designed living space, a private screened lanai, and your own one-year-old heated saltwater pool surrounded by a paver deck. It is the kind of backyard that makes it easy to imagine slow mornings with coffee, afternoons in the pool, and evenings outside with friends. Inside, the home has the perfect mix of style and everyday comfort. The main living areas feature durable LVP flooring, crown molding, and a welcoming open feel. The gourmet kitchen is truly the heart of the home, with stainless steel appliances, a double oven, large island, generous pantry, composite sink, black faucet, and three pendant lights that add a beautiful finishing touch. The primary suite is designed to feel like your own retreat, complete with carpeted floors and two

Cost to own

Mortgage calculator

Home Price

$543,000

Down Payment: 20%

$108,600

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,789

Principal & Interest: $2,789

Property taxes (est.): $723

Insurance (est.): $362

Estimated Total Monthly

$3,873

*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$2,789

Property taxesest. at asking price, St. Johns County$723

HOAbilled quarterly$144

Estimated total, before insurance$3,656/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,002/yr · $334/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): $4,002/yr

Estimated taxes if purchased at asking price: ~$8,700/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2016)

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

Solar potential: ~1,577 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

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 21, 2026Listed$543,000

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

Features

Price$543,000

Price / Sq Ft$268

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,027

Total Structure Area2,624 sq ft

Acres0.23 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced, Heated, Salt Water

Is WaterfrontNo

Gated CommunityYes

Direction FacesSoutheast

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighSt. Augustine

Community Information

Address44 Cato Court, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionWindward Ranch

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size10,018.8 sq ft

Parcel Number0274422890

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Management - Part Time, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Freezer, Gas Cooktop, Gas Oven, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

Security24 Hour Security, Carbon Monoxide Detector(s), Gated with Guard, Security Gate, Smoke Detector(s)